1
Broker reviewed

I’m self-employed

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Tailored option 1

I’m self-employed

Low Doc and alternative income verification may help when standard full-doc evidence does not fit.

We can review BAS, accountant letters, business bank statements and lender-specific income options.

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2
Broker reviewed

I want a lower deposit option

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Tailored option 2

I want a lower deposit option

A smaller deposit can still open up lending options when the lender and structure are right.

We can compare higher-LVR lenders, LMI options and professional waivers where available.

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3
Broker reviewed

My trust or company owns the property

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Tailored option 3

My trust or company owns the property

Trust and company lending can work, but lender treatment can vary significantly.

We review ownership, guarantees, directors and lender policy before recommending an option.

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4
Broker reviewed

I need something more tailored

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Tailored option 4

I need something more tailored

Some scenarios simply need a lender whose policy fits the situation.

We compare specialist niches, unique property rules and more complex lending policies.

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Complex lending made simple

Flexible lending for self-employed borrowers, lower deposits, trusts and complex needs.

Why tailored lending

1

More ways to assess income

Options may be available when your income or business structure does not fit standard lending.

Flexible income assessment
2

More flexible loan structures

Explore lending pathways for lower deposits, trusts, companies and other less standard scenarios.

More ways to structure
3

Specialist policy options

We can review lender policies and niches to find an option that better fits your circumstances.

Broker reviewed options

Low Doc and flexible income options

Self-employed borrowers may have access to Low Doc or alternative income verification options when standard full-doc evidence does not fit.

  • 1
    Low Doc options may use accountant letters, BAS or business bank statements.
  • 2
    Add-backs and business structure can materially change usable income.
  • 3
    The right lender can be more important than the headline rate.
Useful when the business is performing well but recent tax returns do not fully reflect the current position.
How to apply

What are you looking to do?

Choose purchase or refinance to open the right quick-check form for your scenario.

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Mortgage Matrix ©2026. All rights reserved.​

‍Mortgage Matrix ©2026. All rights reserved.​