Complex lending
Specialist lending solutions for unique financial situations.
Not every borrower fits neatly into a standard lending box. If you’re self-employed, operating through a trust or company, using alternative documentation, or planning a development, lender policy and structure matter more than ever.
This page is designed for borrowers with more complex financial scenarios where the right strategy and lender selection can make the difference between approval and frustration.
Who complex lending is for
Self-employed borrowers
Clear guidance on income assessment, tax returns, add-backs and fluctuating earnings.
Trust & Company Property Loans
Loan structures aligned with asset protection, tax planning and entity-based lending requirements.
Low-doc & alt-doc borrowers
Solutions for borrowers who can’t provide full financials.
Family Guarantor Home Loans
Family-guarantee structures for first home or complex situations.
Small Residential Development Finance
Finance for duplexes, subdivisions, knock-down rebuilds and investment builds.
Self-Employed Home Loans
Lending made for business owners.
Self-employed borrowers often face hurdles due to inconsistent income or tax-minimising structures. We simplify it.
Who it suits
- Sole Traders and Partnerships
- Loans to discretionary, unit or family trusts
- Private company loans
- Independent Contractors
How lenders assess self-employed income
- Financial Statements and Tax Returns
- Add-backs (depreciation, one-offs, non-recurring expenses)
- Company dividends/distributions
- BAS statements
What we help with
- Understanding complex self employed structures to extract borrowing capacity
- Choosing lenders with flexible self-employed policies
- Cash-flow friendly repayment strategies
- Working with your accountant to drive favourable outcomes
- Planning and advice for future borrowing
Trust & Company Lending
Structure matters, so does lender policy.
Many investors use trusts and companies for tax planning, liability protection or estate planning. But not all lenders treat these structures the same.
What we help with
- Loans to discretionary, unit or family trusts
- Company-owned property loans
- Director and guarantor requirements
- Cash-flow and serviceability modelling
- Separating owner-occupied and investment debt
- Lender policy comparisons for entity-based lending
Why this matters
Correct structuring upfront prevents tax issues, cross-collateralisation and settlement delays.
We collaborate with your accountant to ensure lending and tax strategies align.
Low-Doc & Alt-Doc Loans
For borrowers who don’t fit traditional documentation.
These solutions suit borrowers without up-to-date financials or with irregular income.
Accepted documentation may include
- BAS statements
- Accountant and Self declarations
- Bank statements showing business turnover
Used for
- Self-employed borrowers mid-financial year
- Short term trading businesses
- Cash-flow heavy businesses with low taxable income
- Clients with short term lending needs
Trade Offs
- Larger deposit requirements
- Higher interest rates that mainstream lenders
- Higher set up costs
Guarantor Loans
Helping buyers get ahead using family support.
How we structure it
- Understand goals and objectives of parties involved
- Explain risks and responsibilities of guarantor
- Access lenders who support structure and minimise burden for guarantor
- Plan a pathway to release the guarantor later
Suitable for
- First home buyers who have no or less than 20% deposit
- First time property investors subject to conditions
- Married or Defacto couples where borrowers do not require title ownership or to be a borrower
- Applicants requiring asset protection due to employment - for example partners, owners, directors of firms
Small Residential Development Finance
Finance for duplexes, townhouses, subdivisions and investment builds.
We assist with
- Duplex and triplex finance
- Small subdivisions
- Knock-down rebuild projects
- GST and tax considerations (with your accountant)
- Early feasibility and lender appetite assessment
Key considerations lenders assess
- Applicant experience
- Cash contribution or equity
- End value (as-if complete)
- Pre-sales (if applicable)
- Builder credentials
We guide you through lender selection, documentation and construction drawdowns.
Why Choose Beyond Broking for Complex Lending
10+ years navigating complex lending structures
We understand how lenders assess investment borrowing and structure loans for long-term growth.
Clear explanations for complex situations
We model cash flow, borrowing power and equity positions.
Strong relationships with specialist lenders
Your tax position matters. We align your loan setup with your broader financial strategy.
Collaborative approach with your advisors
From major banks to investor-focused lenders.
Frequently Asked Questions
Here are answers to the questions we hear most often. Still need help? Fill in the Form for Discussion.
Yes. Many lenders offer financing options for properties held in legal entities, but the rules differ substantially from personal loans. We structure these correctly to ensure compliance and optimal serviceability.
Not always. While two years is standard, some mainsteam and specialist lenders accept one year of tax returns or alternative documentation (Alt-Doc/Low-Doc) if your business cash flow is strong.
A low-doc (low documentation) or alt-doc (alternative documentation) loan is for borrowers who cannot provide full financial statements. Lenders typically require alternative proof of income, such as BAS statements and accountant declarations, to verify serviceability.
Yes. Guarantor loans can be used to help self-employed borrowers cover deposit requirements or avoid LMI, making it easier to qualify even with complex income structures.
Yes. Guarantor loans can be used to help self-employed borrowers cover deposit requirements or avoid LMI, making it easier to qualify even with complex income structures.
Yes. We have access to lenders that can assist with $0 deposit loans under parental guarantee structures.
Have a complex scenario? We make it simple.
Book a Complex Lending Assessment and get clarity on your lending options.