Not every lending journey is straightforward, and that's okay.
Whether you're self-employed, purchasing through a trust, have multiple income streams, or your situation doesn't fit the standard lending criteria, we'll help you navigate the process with confidence.
At EB Finance Collective, we take the time to understand your circumstances, explore lender options, and tailor a lending strategy that works for you.
Complex & Customised Lending
For borrowers whose circumstances fall outside a typical PAYG home loan.
We regularly help clients with situations such as:
Self-employed income
Company or trust borrowing
Multiple income sources
Contractors and casual employment
Business owners
Construction lending
Commercial lending
Debt consolidation
Unique lending scenarios
If you're unsure whether your situation is considered "complex", we'd love to chat.
Complex lending often requires more than simply comparing interest rates.
It requires understanding lender policies, knowing which lenders are more suited to different situations, and putting together an application that tells your story clearly.
We'll guide you through every step, explain everything in plain English, and make the process as straightforward as possible.
Why work with EB Finance Collective?
Our Process
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Complex lending usually comes with a few more moving parts. Whether you're self-employed, have multiple income streams, are borrowing through a company or trust, or your circumstances simply don't fit neatly into standard lending criteria, we'll take the time to understand your situation and what you're trying to achieve.
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We'll look at your financial position, documentation and borrowing requirements to work out the best way forward. This is where we can identify any potential hurdles early and get clear on what lenders may need from you before an application goes in.
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Lender policies can vary significantly when it comes to complex home loans and non-standard lending scenarios. We'll research and compare suitable lenders based on your circumstances, rather than trying to squeeze your application into a lending policy that doesn't fit.
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Once we've agreed on the way forward, we'll help gather what's needed, prepare your loan application and liaise directly with the lender. More complicated application? That's our problem, not yours. We'll keep things moving and keep you updated along the way.
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We'll support you through approval and settlement and help manage any questions or additional requirements that come up along the way. And as your circumstances change, we'll be here to help with whatever comes next.
Frequently Asked Questions
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Yes, many self-employed Australians successfully obtain home loans each year. However, the application process and supporting documentation can differ from someone who is PAYG employed.
Every lender has different policies and lending criteria, which is why it's important to understand your options before applying.
We'll take the time to understand your circumstances, explain how self-employed lending generally works and discuss the lending options that may be available to you 🤍 -
The answer will depend on the lender and your individual circumstances.
Many lenders prefer to see a history of self-employment, while others may consider applications with a shorter trading history if certain requirements are met.
During your Strategy Session, we'll review your business structure, trading history and financial position, then explain which lending options may be appropriate to explore 🌸 -
The documents required will vary depending on your circumstances and the lender's requirements.
Generally, lenders may request information such as recent tax returns, financial statements, notices of assessment, Business Activity Statements (BAS), business bank statements or accountant-prepared financial documents.
We'll provide you with a personalised document checklist so you know exactly what's required before your application is submitted. -
Variable income is common for many business owners, contractors and self-employed borrowers.
Different lenders assess fluctuating income in different ways, taking into account factors such as your trading history, business performance and supporting documentation.
We'll explain how lenders may assess your income and discuss the lending options that may be available based on your circumstances 🌸 -
Self-employed lending can involve additional documentation and different assessment requirements, but that doesn't necessarily mean it's more difficult.
The key is understanding which lenders may be suited to your circumstances and ensuring your application is prepared with the appropriate supporting information.
We'll guide you through the process, explain what's required and help make the experience as straightforward as possible 🤍 -
Many lenders offer home loans for self-employed borrowers, although their lending policies, documentation requirements and assessment criteria can vary significantly.
Rather than approaching multiple lenders yourself, we'll compare a range of options and explain which lenders may be appropriate to consider based on your circumstances.
Our role is to help you understand your options and navigate the process with confidence ✨ -
A mortgage broker can help you understand lender requirements, prepare your application and identify lenders whose policies may align with your circumstances.
While approval can never be guaranteed, having your application properly prepared and submitted with the appropriate supporting documentation can help ensure lenders have the information they need to assess your application.
We'll guide you through each step of the process, answer your questions and help make the experience feel clear, supportive and far less overwhelming 🤍
Let's find a lending solution that fits.
If your circumstances are a little more complex, don't assume your options are limited.
Book a chat with EB Finance Collective and we'll help you explore lending solutions tailored to your situation.
emily@ebfinancecollective.com.au
Adelaide, South Australia