Complex financials.
Straightforward lending.
If your income, structure, or financial position confuses most lenders and brokers, you're in the right place. We work with borrowers whose financials don't fit the standard mould — and we know which lenders will.
We translate complexity into an approvable loan.
Most lenders and brokers are built for straightforward PAYG applications. The moment your income runs through a trust, a company, multiple entities, or a variable pay structure, the standard process stops working.
We do the opposite. We translate complex tax returns, distributions, and structures into a format credit teams can assess — and we match you to the lender who actually understands it. Structure first. If a deal won't work, we'll tell you before you waste weeks on it.
Decode your financials
We turn complex tax returns, trust distributions, and business structures into something a lender can assess. Many brokers can't present this. We can.
Match you to the right lender
Not every lender handles complexity well. We know which credit teams have the appetite and the capability to assess a non-standard application properly.
Structure for approval
Sometimes the structure matters as much as the numbers. We present your application in a way that answers lender concerns before they're raised.
Manage the process
Complex deals attract more questions. We handle lender queries, coordinate with your accountant, and keep the file moving through to settlement.
When standard lending doesn't work.
If your situation involves any of the following, you need someone who works with complexity every day — not as a sideline.
Self-employed borrowers with variable income, multiple entities, or recent business changes.
Trust and company structures that mainstream lenders don't understand.
Mixed-use income from rental properties, dividends, and business distributions.
Contractors, consultants, and gig economy workers with non-standard payslips.
Borrowers with complex asset positions but unconventional income documentation.
High-net-worth individuals with intricate financial arrangements.
Borrowers who need more than a tickbox.
A small team, working with a small number of clients whose situations require more than a standard approach.
Self-Employed & Business Owners
Sole trader, company, or trust — we know how to present your income so it makes sense to a lender. Full doc gets to 90% LVR with strong financials; alt doc and low doc sit at 70–80%.
Trust & Company Borrowers
Borrowing through a structure adds complexity, not rejection. We work with family trusts, unit trusts, and corporate borrowers regularly — and know which lenders recognise consistent distributions.
Investors with Large Portfolios
Multiple properties mean harder questions on serviceability and cash flow. We present the full picture clearly so the numbers stand up to a credit team.
Professionals with Variable Income
Doctors, lawyers, contractors, and consultants often earn strongly on irregular pay structures. We know how to demonstrate that capacity to lenders.
From first conversation to settlement.
Complex files need preparing before they're lodged. We map your realistic LVR up front, package the file to lender standard, and only then approach the credit teams who fit.
The honest part: if you've been told your situation is "too complicated," it usually isn't — it's just been presented badly. And if a deal genuinely won't work yet, we'll tell you what to clean up first rather than waste your time.
Honest assessment
We look at income, structure, and credit, then map a realistic LVR and the lenders worth approaching — before you make an offer.
Decode & package
We translate tax returns, distributions, and entity income into a file a credit team can assess, coordinating with your accountant where needed.
Match the lender
We approach lenders with the genuine appetite and capability for your structure — full doc, alt doc, or low doc as the situation calls for.
Manage to settlement
We handle the questions, conditions, and valuations, and keep the file moving — through to settlement and the refinance back to standard later.
Complexity isn't a sideline. It's what we do.
We specialise in complexity — it's not a sideline, it's what we do.
Direct relationships with credit teams who understand nuanced applications.
We prepare your file to lender standards before submission.
Honest assessment of your options — we won't waste your time on deals that won't work.
Support from the first conversation through to settlement and beyond.
Based in Canberra, connected nationally — a small team for a small number of clients.
Home loans for complex financials.
Can I get a home loan if I'm self-employed in Australia?
Yes, though the assessment is more complex than for PAYG borrowers. Lenders use your last 2 years of tax returns and business financials to calculate income — they typically average the two years, and if income has declined they may use the lower year only. Some non-bank lenders offer alt doc or low doc products where you self-certify income supported by BAS statements or accountant declarations, without full tax returns. The trade-off is a slightly higher rate and lower maximum LVR.
How do lenders calculate income for company or trust structures?
For company directors, most lenders use the salary drawn plus any declared dividends as serviceability income. Retained profits left in the company are generally not counted unless the lender allows an add-back. For discretionary trust distributions, lenders want to see consistent distributions for 2+ years — ad hoc or irregular distributions are often discounted or excluded. We identify which lenders best recognise your structure before lodging.
What's the maximum LVR for a complex home loan?
For self-employed borrowers with full income documentation and clean credit, 90% LVR is achievable with some lenders (LMI applies above 80%). Alt doc or low doc loans are typically capped at 70–80% LVR, with LMI limited to 80%. Borrowers with complex income structures, multiple entities, or adverse credit history may be capped at 60–70% until the position is cleaned up — we map the realistic LVR before you make an offer.
Do non-standard borrowers pay higher rates than standard borrowers?
Usually a small margin, though it varies by product. A self-employed borrower with full documentation and strong financials will often get the same rate as a PAYG borrower with the same lender. Alt doc and low doc products carry a premium of 0.5–1.5% over standard rates. The rate premium narrows significantly once you have 2+ years of clear tax history — refinancing back to a standard product at that point is common strategy.
Related lending.
Investment Lending
Portfolio serviceability, cash flow, and structuring for multiple properties.
Private Lending
Non-bank and private capital for when timing or structure rules out the banks.
Complex Restructuring
Untangling multiple facilities and entities into a cleaner, fundable position.
Been told your situation is too complicated?
Start the Conversation
Let's Talk About Your Situation
If you've been knocked back elsewhere or told your situation is 'too complicated' — it's worth a conversation. We'll give you an honest assessment of your options.
Contact Details
Phone
02 6188 9849
info@blackmountainfinancial.com.au
Office
Level 1, 33 Allara Street
Canberra ACT 2601
Hours
Monday – Friday, 9am – 6pm
What to Expect
- Honest assessment of your options
- Response within 24 hours
- Strategic insight, not a sales pitch
- No obligation discussion