Specialty · Complex Cases
Complex & Self-Employed Cases
Self-employed income, multiple entities, trusts, and non-standard documentation are where many retail applications stall. These files need accurate presentation of income and a lender that actually accepts the structure — not a template that assumes PAYG payslips.
Situations We Regularly Handle
- Self-employed / sole traders and company directors
- Income from multiple entities or related parties
- Trust structures (discretionary, unit, hybrid)
- Recent business start-ups or fluctuating income
- Non-standard income verification (accountant letters, BAS, financials)
- Foreign income or complex residency situations (where lenders allow)
Process for Complex Files
- Income deep-dive — financials, BAS, tax returns, entity structures reviewed; we agree the serviceability story before approaching lenders.
- Lender selection — matching to credit policies that accept the income type/ownership structure.
- Lodgement & advocacy — clean supporting pack, direct communication with the assessor.
Complex does not mean impossible. It means the file has to be prepared with more care.
Information is general only. Lending criteria change and every application is assessed on its individual merits.
AU Mortgage is a trading name under which Danish Ali provides services as a Credit Representative (575857) of Australian Finance Advocates Pty Ltd (ACL 491521).