Australia-wide self-employed mortgage broker — declined by the majors? We still have 4 paths.

It's not outright decline — they scrutinise hard: 2 yrs of full ITR + NOA, stable industry, ≥ 3% servicing buffer, income volatility under 20%. Miss any one and you're routed to alt-doc or a specialist lender. We don't promise majors will approve; we calculate your actual probability and prepare a fallback.

Yes, but options are narrow. La Trobe / Bluestone / Bizcap accept ABN ≥ 6 months provided you have prior PAYG experience in the same industry (e.g. IT contractor previously an IT employee). Rate is 1.5–2.5% above full-doc, deposit typically 20%+. We assess the industry-continuation argument first.

BAS-only LVR typically 70–80% (20–30% deposit). Borrowing limit ≈ 4–5× annualised BAS net profit. Example: $120k net → $480k–$600k. Subject to existing debts, credit, deposit source (gift / savings / asset sale).

Lenders calculate self-employed income from net profit after tax — but expenses that are 'accounting deductions but money still in your hand' can be added back: depreciation, one-offs, spouse wages, interest expense, retained profits. Real case: a hospitality owner with $80k net profit + $15k depreciation + $40k spouse wages + $20k one-off renovation → servicing income $155k, borrowing capacity nearly doubles.

Owner-occupier usually held personally (FHB schemes, CGT exemption). Investment can use company / trust (tax + debt isolation) but at a lending cost: rate +0.2–0.5%, 20%+ deposit, lender pool roughly halved (some refuse trusts outright). Wrong structure costs 5–10 yrs of interest + tax — **consult an accountant before borrowing**.

PAYG is welcome, especially self-employed + PAYG-spouse joint applications (the best combo — PAYG unlocks majors' full-doc pricing, self-employed income adds servicing power). But self-employed is our moat — the cases the majors won't touch are what we know best.