Your Bank Quoted You Less Than You Actually Earn. Get Assessed on Your Real Income, Without Changing Your Tax Strategy.

$50,000 to $150,000 more borrowing capacity: add-backs put depreciation, super and one-off expenses back into your assessable income, so you borrow on what you really earn.
Approved from just six months of ABN: BAS, business bank statements or an accountant's letter is enough, with no two years of tax returns required.
ATO debt isn't a dealbreaker: structured alongside a payment plan, a tax debt doesn't automatically close the door with specialist lenders.
Trust, dividend or variable income, read properly: specialist lenders assess a twelve-month trend and your full structure, not the worst-quarter snapshot a bank uses.
Check your real borrowing capacity: No credit impact. You'll leave knowing exactly what you qualify for and which lenders will assess you most favourably.

Check Your Self-Employed Borrowing Capacity

Find out what you can really borrow. No credit check, no obligation.

Accredited to Compare 60+ Leading Lenders

Strategic Self-Employed Finance for Business Owners the Banks Underquote

Unlock the Borrowing Capacity Your Tax Return Hides

Your accountant minimised your taxable income to cut your tax bill, and now the bank is using that same shrunken number to cap your loan. We work with lenders who add back depreciation, super contributions and one-off expenses to assess what your business genuinely earns. That often unlocks $50,000 to $150,000 more in borrowing capacity, without touching how your accountant structures your return.

Get Approved From Just Six Months of ABN

Most banks won't open the conversation until you've handed over two full years of returns, and every month you wait is a month of rates you can't lock in. Specialist alt-doc lenders assess your income from BAS, business bank statements or a letter from your accountant instead. That means a genuine loan approval from as little as six months of trading, not two years from now.

Keep Your Home Loan On Track With ATO Debt

A tax debt can feel like an automatic rejection, and every knock-back you collect leaves another mark on your credit file. Structured correctly alongside an ATO payment plan, that debt doesn't close the door with the specialist lenders we access. You move forward with a clear approval pathway, tax debt and all, instead of being turned away at the first question.

Have Your Trust and Dividend Income Read Correctly

Trust distributions, a director's mix of salary and dividends, seasonal swings: standard credit teams either ignore this income or count your worst quarter. Lenders who understand self-employed structures assess your full position across a twelve-month trend. You get assessed on the income you actually draw, often tens of thousands more in capacity than a bank would allow.

Access Rates and Lenders Banks Won't Advertise

Walk into a single bank branch and you see one lender's appetite, one set of rules, one rate card. Villa compares 60 lenders, including specialist and non-bank options reserved for the broker channel and never advertised to the public. You end up on a better-than-advertised rate with a lender that actually wants your kind of income.

Have Someone Who Knows How Banks Decide On Your Side

The person assessing your application at a bank follows lending rules most borrowers never get to see. Duncan spent twelve years inside ANZ before going self-employed himself in 2013, so he knows how a lender reads a business owner's file and how to package yours to pass. You submit an application built to be approved the first time, from someone who has sat on both sides of the desk.

Securing Your Self-Employed Home Loan Is This Simple

Step 01: See What You Can Actually Borrow

Start with a no-obligation strategy call where we look at your real income, not just the number on your tax return. We go through your add-backs, your ABN history, any ATO debt and how your business income is structured, before a single application is lodged. You walk away knowing your true borrowing capacity and which lenders suit your situation, all before anything touches your credit file.

Step 02: We Match You to the Right Lender

With your real position mapped, we go to the lenders who assess self-employed income the way it should be assessed, not the one bank that happened to knock you back. Drawing on twelve years inside the banks and a panel of 60 lenders, Duncan packages your application to the assessor’s exact requirements. You stay focused on running your business while we handle the paperwork, the lender negotiation and the follow-up.

Step 03: Approved, Settled, and Set Up to Grow

Your loan settles on a structure built around how you actually earn, so your finance finally reflects your real business. Beyond settlement we keep reviewing your rate, and when you’re ready for the next property or a refinance, your file is already primed. You keep building your business. We keep your finance working as hard as you do.

What Our Self-Employed Clients Say

Business owners and self-employed borrowers who came to us quoted too low or knocked back, and left approved on their real income.

BM

Benjamin Moles

Verified Google Review

We were referred to Duncan and his team via a friend and can't speak highly enough of them. Our situation was complicated (for a start we were looking to purchase from overseas), but Duncan proposed options and helped advise the best strategy for us, carefully explaining our options. Incredibly patient and generous with their time, we got the outcome we wanted and purchased our first home just before Christmas. So much of the stress was taken out of it thanks to Duncan and the incredible team at Villa Finance Group.

DP

Divya Priyadarshini

Verified Google Review

Thank you so much to the entire team of Villa Finance for the amazing service. Very professional and prompt in communication, Duncan dealt with our requests meticulously and was so committed to help no matter how complex the situation. We are ever grateful and will definitely consider your service for our future needs.

BS

Brooke Smith

Verified Google Review

From start to finish, their professionalism and expertise were evident in every interaction. They took the time to understand my financial situation and provided a tailored solution. Their knowledge of the market and lenders was impressive, and they were able to secure me a package that suited me. I highly recommend Villa Finance Group to anyone in need of professional and reliable mortgage services.

AR

Anthony Rigg

Verified Google Review

I was referred to Duncan through a friend to assist with refinancing. The situation was not straightforward for the other lenders we had spoken to prior. However, Duncan's knowledge and care to find a solution was exceptional. We had loan approval and an incredible rate offer all in 48 hours. Thank you Villa Finance Group!

RC

Rohan Cook

Verified Google Review

Have utilised Duncan and the Villa Finance team twice over the last few years to facilitate our property finance requirements. A pleasure to deal with, diligent and working in your best interests. They are able to advise and find the right solution inside of the ever changing landscape of requirements for loans in the banking world. Highly recommended.

WP

Warwick Payne

Verified Google Review

Duncan and his team at Villa Finance Group have provided an excellent experience in refinancing to a far more competitive offer, with a cash back from the lender and all refinance fees covered. A great attention to detail. We are now in a great position to complete our family home, and still paying less than we were previously!

DN

Dane Nolan

Verified Google Review

Duncan and his team at Villa Finance were able to assist us in purchasing our first home after we were unsuccessful establishing a loan directly with the bank. The team was approachable and encouraging in helping us achieve our dream of being home owners!

KD

Kenny Duncanson

Verified Google Review

Duncan's knowledge of a wide range of mortgage products, and strong relationships with key bank contacts make for a great service and one I always recommend to friends. We are on our 3rd finance with him and Villa doesn't disappoint.

TL

Trent Lawrence

Verified Google Review

Duncan and the team at Villa Finance achieved a fantastic result for us, saving us thousands of dollars each month. He got us the best deal and guided us through the whole process, making the change easier than we thought it would be. We wish we made the decision to go with Villa Finance years ago!

We Get Self-Employed Income Assessed on What You Really Earn, Not What You Declare

Most banks assess a business owner on one number: the taxable income left after your accountant has legally minimised it. That single figure caps what you can borrow, no matter what your business actually turns over. Duncan Tonkin spent twelve years inside ANZ before going self-employed himself in 2013, so he knows exactly how a lender reads your file, and how to present your real income so it counts. You borrow against what you earn, not what you declare.

Whether you’ve just registered an ABN, carry an ATO debt, draw a mix of salary and dividends, or were knocked back somewhere else, there is almost always a pathway forward. Because brokers are paid by the lender, not you, the entire service is completely free.

Why Self-Employed Borrowers Choose Villa Finance Group

Twelve years inside the banks:

Duncan managed lending inside ANZ before broking, so your application is packaged the way an assessor wants to see it, and moves faster as a result.

60 lenders, one application:

instead of one bank's rulebook, you get the specialist and non-bank lenders who actually assess self-employed income properly.

Add-backs applied, not explained:

we put depreciation, super and one-off costs back into your income so you borrow on your real earnings, often tens of thousands more.

A broker who's self-employed too:

Duncan has run his own business since 2013, so your variable income and tax structure make sense to him, not just to your file.

Free, with no credit impact:

the strategy session costs nothing and never touches your credit file, and you leave knowing your real borrowing capacity.

Proof from clients like you:

business owners who came quoted too low or knocked back, and left approved on their real income, are why most of our work comes by referral.

Frequently Asked Questions

Everything you need to know about getting approved as a self-employed borrower.

Will checking my borrowing capacity hurt my credit score?

No. The strategy session and capacity assessment involve no credit check at all, so nothing touches your file until you choose to formally apply. You find out exactly where you stand with zero risk to your score.

How much does this cost me?

Nothing. Because brokers are paid a commission by the lender rather than by you, the entire service from first call to settlement is free. You get specialist self-employed advice without paying a cent for it.

Why not just go to my own bank?

Your bank assesses you against one rulebook and the taxable income on your return, which is exactly why business owners get quoted low. We compare 60 lenders, including specialists who assess your real income, so you see options your branch will never offer. You end up with the lender that actually fits how you earn.

I've only had my ABN for six months. Can I still get a loan?

Yes. Specialist alt-doc lenders can assess your income from BAS, business bank statements or an accountant’s letter, so you don’t need two full years of tax returns. You can move forward now instead of waiting another eighteen months.

I have an ATO debt. Does that rule me out?

No. Structured correctly alongside a payment plan, an ATO debt doesn’t automatically disqualify you with the specialist lenders we work with. You get a clear pathway forward instead of an automatic no.

Villa Finance Group

‘Bramelle Partners’ SE 603, L 6, 121 Walker St, North Sydney NSW 2060, Australia

VILLA FINANCE GROUP PTY LTD (ABN 16 167 281 432 / Australian Credit Representative 454058) is a credit representative of CONNECTIVE CREDIT SERVICES PTY LTD (ACN 143 651 496 / Australian Credit Licence 389328)