Lenders can be inconsistent when it comes to assessing business income, especially if your earnings vary or you've only been trading for a short time. We'll help you present your financials the right way.
Meet Mel and the Zest team, who've helped hundreds of business owners secure finance for their next home.
Lenders can be inconsistent in how they assess business income, particularly if your earnings vary from year to year or you have only been trading for a short time. Some will accept one year of financials instead of two, or an accountant's letter, while others apply a stricter test. Knowing which lenders are flexible before you apply can save a lot of back and forth.
We help you present your financials the right way and compare 60+ lenders to find one that works with your situation. You deal directly with Mel and the team, who are based in Springfield and work with business owners across Springfield and Ipswich.
At Zest Mortgage Solutions, we believe running a business shouldn't make buying a home any more complicated. Here are a few recent Zest Google reviews we think you'll love!
A quick chat with Mel & the team is the best place to start. We'll take a close look at your financials and work out the best way to present them to lenders. No cost, no obligation.
Some lenders are far more flexible than others when it comes to business owners, whether that's using one year of financials instead of two, or accepting an accountant's letter. We compare across 60+ lenders to find one that works with your situation.
Once we've matched you with a lender who understands your situation, we manage the application and coordinate any additional documentation your accountant or bookkeeper needs to provide.
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Our business owner home loans suit company directors, partners and sole traders buying a home or investment property. Business income, structures and add-backs can be assessed very differently from lender to lender. If you're a sole trader or contractor, see our self-employed home loan page too.
Every lender is different, so we'll confirm the exact list for your situation before you apply.
Springfield and Ipswich have a thriving small business community. We work with local business owners and their accountants to present income in a way lenders understand.
Want to talk it through? Book a free chat with Mel and the Zest team, or call (07) 3461 6499.
Most lenders look at your personal and business tax returns and financial statements. Some will add back items such as depreciation and one-off costs.
Some lenders accept one year of tax returns, especially if you've been in the same industry for some time.
It can be more complex, but many lenders are comfortable with trusts and companies with the right documents.
Yes. We often work with your accountant to make sure your financials are presented correctly.
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"Thank-you! As first home owners we were very unsure of the process. However, from our very first encounter with Mel, we felt comfortable and certain that we had chosen the right broker for us. Ashleigh helped us through the application process and was always prompt with emails/ phone calls and more than willing to answer our questions. You guys truly are amazing 🤩"
"Thanks to the fantastic team at Zest Mortgage Solutions. They made an incredibly complex business investment purchase extremely easy for us and kept us up to date with the process as it moved forward. I would highly recommend them and will be utilising their services in the future."
"Mel and the team have been amazing throughout the entire process. We were constantly informed and nothing was too difficult. It really couldn't have been a better experience. We would highly recommend Zest Mortgage Solutions!"
"Mel and the team at Zest Mortgage Solutions make the process of buying a house easy, there was always someone there to assist or answer questions - even during the festive season 😊 thanks team, 💯 recommend"
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"As a single mother, I never thought in a million years I could own my own home. Melissa and her team made the process so easy and stress free. I can’t thank them enough for making my dreams come true. No question was to dumb and they never made me feel like I was bothering them with all my calls for clarification! Would 10/10 recommend them to anyone looking to purchase a house."
