Often have varied income streams which is not the everyday set salary per month or per annum. Often the income is split into hourly rate, overtime, and allowances. Some financial institutions will not accept portions of this income for their serviceability purposes where other will Credit policies over the vast array of financial institutions are not the same. They have inconsistent rules when assessing over-time, allowances, commissions, bonuses, profit sharing and dividends. There are other lenders who have specific credit criteria depending upon an occupation type This is where we can sift through the multitude of lenders to give you the best package for your individual needs.

If you are self-employed, one financial institution is not the same as another. There are those who embrace your specific requirements and provide flexibility to match your needs, whereas there are others who are either very inflexible or charge you exorbitant fees and interest for the privilege of having a loan Some financial institutions find it difficult to properly analyze your financials and match them up to the tax return. But there are others who cater almost specifically to self-employed clients. There are even institutions happy to give home loan rates for business purpose loans This is where we come in. By choosing the lender of best fit and presenting your information with specific notations and comments, we can fine tune the application and provide the best outcome for your needs.

Your bank has probably wrapped up your house with your business loan and is not giving you the best rate on either. They may have also imposed restrictive covenants which do not allow you to operate your personal or business finances the way you would like to. Remember, it is the banker’s agenda to maximize returns of them! portfolio of clients both on interest rates and fees – it is how they get paid a bonus This does not need to be the case. Through creating an effective structure, you can have the best of both worlds in having a market leading interest rate on your home/investment loan as well as your business or commercial property. We have vast experience in dealing with business banking institutions and can structure your facilities in the most unrestrictive and efficient manner We can also negotiate on your behalf with your own bank (avoiding the need to change) to gain a more efficient structure, market rates and reduced fees. Once a business banker realizes a finance broker is working for you, they sharpen their pencils