Most brokers rely on a checklist. Complex lending requires something different — an understanding of how lenders actually make credit decisions, and which policies create opportunities that aren't obvious from the outside.
Lenders assess credit through policy filters that aren't always visible. A scenario that triggers a decline at one lender may be a straightforward approval at another — if you know where to look and how to present the application.
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With 50+ lenders on panel, we know which ones apply addbacks generously, which accept trust income, and which have appetite for scenarios others turn away. Policy knowledge is the work.
Complex applications succeed or fail based on how they're presented. We structure income evidence, liability positions, and security descriptions in the way that best serves your application — not just what's easy to gather.
Virginia came from ANZ's interest rate desk. Phil spent years at Westpac across home lending and commercial banking. That background informs how we think about credit risk — from the lender's perspective, not just the borrower's.
Since 2004, we've worked through scenarios that didn't exist in textbooks. That history means we recognise patterns, know when to push a lender's BDM, and understand when a scenario needs a different approach entirely.
Often yes. A decline from one lender doesn't mean no lender will approve. The key is understanding why the application was declined — whether it's a policy issue, a presentation issue, or a timing issue — and finding the right approach from there. We will tell you honestly if we don't think there's a path forward.
Trust and company borrower applications require specific lenders with appetite for that structure. We understand how different lenders assess trustee liability, how they read trust deeds, and what guarantor requirements look like in practice. We work with these structures regularly — they require more documentation and careful presentation, but they are not unusual for us.
Portfolio borrowers face serviceability calculations that vary significantly between lenders. The way rental income is treated, how existing debt is assessed, and which lenders use actual repayments versus P&I assessments can make a significant difference to what's achievable. We work with investors across complex multi-property structures regularly.
Bonuses, commissions, contractor income, seasonal income, and multiple income sources all require specific lenders and careful documentation. We know which lenders apply addbacks and how, which accept a single year's tax return, and which are more conservative. Getting the income calculation right upfront prevents problems during assessment.
The first step is a conversation. We'll listen, ask the right questions, and give you a direct assessment — not a sales pitch. If there's a path forward, we'll tell you what it looks like.