Home › Who We Service › Business Owners
Who We Service
Mortgage Broker for Business Owners
From buying your commercial premises to residential lending with complex business income, business owners have specific finance needs that generalist banks often handle poorly. We understand how to read business financials and how to position your borrowing across personal and business assets.
Your Situation
Business Owners Have Layered Finance Needs
If you run a business — whether it’s a trade with two utes and three staff, a professional services firm with 15 partners, or a single-director software consultancy — your personal financial situation is more complex than most mortgage applications a bank sees. Your income flows through company financials, possibly a trust, with director loans, retained earnings, drawings and dividend payments all in the mix.
Business owners often also have layered finance needs at the same time: a residential mortgage on the family home, perhaps an investment property, sometimes a commercial property the business operates from, working capital or equipment finance for the business itself, and director borrowing structures. Each is its own decision, but they interact — what you do on the personal side affects what’s possible on the business side.
We work across this full spectrum. Most often we’re helping with the residential side — the home loan or investment loan where your business income is the basis for serviceability. But we also do commercial property purchases, refinances of business-related debt, equipment finance for trade tools, and structural reviews when the business is growing and the borrowing structure no longer fits.
Services Relevant to You
Finance Services for Business Owners
Buy your business premises, expand into commercial investment, or refinance an existing commercial loan.
Learn more →Personal home loans using BAS, accountant’s letter or business bank statements — for borrowers who don’t want full tax-return verification.
Learn more →Property loans where the borrower is your Pty Ltd company — for asset protection or operational reasons.
Learn more →Property loans through a discretionary or unit trust — common for business owners separating ownership for tax or asset-protection reasons.
Learn more →Buy commercial property (often your business premises) inside your SMSF using a limited recourse borrowing arrangement.
Learn more →How We Help
How We Help Business Owners
We engage with your business properly. That means reading your last two years of company and personal tax returns, understanding the structure (sole trader, Pty Ltd, trust, partnership), and identifying how different lenders will view your income. Some lenders are excellent for trade-based businesses with steady income; others suit professional services firms with high but variable revenue; others again are best for borrowers with multiple income sources stacked together.
We work with your accountant. Often we’ll have direct technical conversations with them about how your financials should be presented for the application — what gets normalised, what’s a one-off, how drawings versus director’s wages are treated. Getting this right upfront avoids weeks of back-and-forth with the lender’s credit team.
We help you think across personal and business. The cheapest residential loan isn’t always the right one if it locks up equity you need for business growth. The right commercial purchase isn’t always the one with the lowest rate if it leaves no headroom for the next residential purchase. We map both sides and recommend the structure that gives you the most overall flexibility.
FAQ
Business Owner Questions
Can I borrow against my business income for a personal home loan?
Yes — but the lender pool that handles complex business income well is narrower than the pool that handles vanilla PAYG. We narrow to lenders that read business financials properly, apply sensible add-backs and don’t unnecessarily discount your income. The right choice can substantially change what you’re approved for.
Should I buy my business premises personally or through the company?
It depends on your tax position, asset-protection requirements and exit strategy. Many business owners hold the premises personally (or through a separate entity) and lease it to the trading entity — preserving the asset if the business hits trouble. Others buy through the company for tax efficiency. Talk to your accountant; we’ll structure the lending around their recommendation.
Can my business borrow alongside me personally?
Yes — many business owners have both personal mortgages and business loans (working capital, equipment, commercial property) at once. The two interact: business borrowing affects your personal serviceability, and personal borrowing affects business borrowing capacity. We help you sequence them so neither gets in the way of the other.
What about lo doc vs full doc for business owners?
Full doc is usually slightly cheaper if your tax returns clearly support the borrowing. Lo doc is faster, requires less paperwork, and can be the right choice if your most recent tax return doesn’t reflect your current income (e.g. recent growth, or a one-off bad year). We’ll model both and let you decide.
Can I use my SMSF to buy my business premises?
Yes — under a limited recourse borrowing arrangement (LRBA), your SMSF can purchase commercial property and lease it to your business at arm’s length market rent. This is one of the most common SMSF property strategies for small business owners. The lender pool is narrower than for residential SMSF lending but several lenders support it. We work with them regularly.
Talk About Your Business Borrowing
Free consultation. Tell us about your business structure, your current borrowing and what you’re trying to achieve. We’ll map a path across personal and commercial.
Get a Free Consultation