Same income. Different lenders. Different rules.
Sole trader, company director or contractor. Peter finds lenders on our panel that may assess your income in a way that fits how you earn, with his team behind every step. Based in Melbourne, helping Australia-wide.
Need more time? See all options
A selection of the 70+ lenders on our panel.
Your tax return tells only part of the story. Lenders read it differently.
Salary, dividends and company profit can all count, depending on the lender.
Some lenders look at your contract rate rather than tax returns.
Less than two years in business? Some lenders may still consider you.
Lender policies can differ widely on self-employed income. Here's what they check.
Many lenders want two years. Some may consider one.
Some lenders add back costs like depreciation or one-off expenses to your income.
Can show recent trading when your tax returns are behind.
Time in business matters, and lenders set different minimums.
Low-doc options exist for some borrowers, often at higher rates.
Peter matches these details to lenders on our panel that may suit your situation. Approval is always subject to the lender's assessment.
Your tax return is only part of the story.
You don't need everything for the first 15 minutes. These help Peter narrow down lenders that may suit you.
Tell Peter what you're planning. By phone, video, or over a coffee at your favourite spot.
Peter looks at options from our panel of 70+ lenders and explains the trade-offs.
Choose your option. We manage the paperwork and lender questions through to funding.
“Peter was incredibly helpful with reviewing my financing. I found him to be very organised, professional, and a clear communicator. He is highly recommended.”Lucy · Blue Finance client
“You’ll speak to me on the first call. I’ll lead your loan personally, with my team backing every detail.”
15 minutes with Peter. By phone, video, or over a coffee in Melbourne.
Peter Chea · 15-minute discovery callBook a 15-Minute Call 