Mixed income, retained earnings, company or trust borrowings — the standard PAYG assessment simply doesn't apply. We know how lenders read business financials and how to present them properly.
Multiple properties, cross-collateralisation, interest-only strategies, and portfolio structuring. We look at the whole book, not just the next transaction.
Dividends, director's fees, and variable remuneration don't always land well with automated credit assessments. We know which lenders look beyond the screen.
Limited recourse borrowing arrangements require lenders who actually understand the structure — and brokers who can co-ordinate with your accountant and solicitor.
Strong income that doesn't always translate neatly into a lender's servicing calculator.
Australian residents earning overseas. Limited lender appetite, specific policy requirements — we know the landscape.
Doctors, specialists, dentists, and veterinarians often have genuinely strong income — but unconventional employment arrangements that confuse standard assessment. Specialist practices, locum arrangements, part-ownership structures, and late-stage career income growth all require a lender who understands the profession. We have established relationships with lenders that offer genuine medico-specific policies, including LMI waivers and higher loan-to-value options.
No obligation. No forms to fill in first. Just a straight discussion about what you need.
Contact Alpha Private