Who we help

Business owners.

Running a business shouldn't make buying property harder, but it often means a different kind of application. We'll match how we help to how you actually earn.

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Is this you?

A few signs that you're in the right place.

  • You've been knocked back beforeA bank has said no, or hesitated, because your income doesn't look like a standard payslip.
  • Your paperwork is a bit behindBetween running the business and everything else, your tax returns or records aren't as current as you'd like.
  • Business and personal finances overlapIt's not always obvious where the business ends and your personal finances begin.
  • You want a broker who gets self-employed incomeYou'd rather deal with someone who already understands BAS statements and add-backs than explain it from scratch.

Common business owner situations.

Self-employed income doesn't fit neatly into most lenders' standard boxes. Here are some of the situations we see most often.

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Established, with up-to-date returns

Your business is well established and your tax returns are current, but you still want a lender who'll read them properly.

Tax returns don't reflect current income

Your business has grown since your last return, and the paperwork undersells what you're actually earning now.

A newer or complex business structure

You're trading through a company or trust, or your business is still fairly new, and want a lender who understands that.

Ready to stop paying rent

You're tired of renting your business premises and are thinking about buying the space you operate from.

Growing and need the assets to match

Vehicles, machinery or equipment would help your business grow, but you don't want to tie up your working capital.

Income that moves with the seasons

Your business has quieter and busier periods, and you want your lending to handle that variability comfortably.

Not sure where to start?

Book a free, no-obligation chat. We'll get to know your situation and map out the best path forward.

This page provides general information only and doesn't take into account your objectives, financial situation or needs. It isn't credit advice or an offer of credit. Lender criteria, fees and government scheme rules apply and can change. Speak with a Kingdom Capital broker for advice tailored to you.