FAQ’s

Possible discharge, settlement and government fees, plus any break costs if you’re fixed. We’ll tally the numbers before you decide.

When pricing, product features or structure no longer suit your goals — or when your fixed term expires. We benchmark...

Some lenders average 2 years; others use the lower/higher year with commentary. Others require just 1 year of financials. We...

Many lenders want 2 years; some consider new business with strong evidence. Policy varies.

Potentially. Lenders assess verified income, but some allow add‑backs or alternate verification. We’ll find the best fit.

Alternative‑doc pathways exist. Some of my 30+ lenders specialize in what the ‘majors’ don’t touch.

Commonly: last 2 years’ tax returns/NOAs and sometimes BAS or financials.

Yes, subject to lender shading and expense assumptions. We run multi‑lender servicing to compare.

We discuss cash‑flow impacts and serviceability, and recommend you obtain independent tax advice.

Yes — lending is possible with the right structure and documents. We’ll coordinate with your accountant.