You’ve Built the Business.
Now Build the Wealth Outside It.
You’re making good money and building a successful business. But getting finance to build your property portfolio isn’t always straightforward when you’re self-employed.
Ascent Property Finance specialises in helping business owners navigate complex lending and build the finance strategy behind their property portfolio.
Watch this video below to see why you need us as your broker.
- Specialist self-employed lending
- Property investor finance strategies
- Alternative income verification options
- Complex company & trust structures
If you’ve heard any of this, you’re in the right place
“Come back when you have 2 years of financials”
You've been trading profitably for 14 months and the bank still treats you like a start-up. One rigid policy, one flat no.
Your tax returns are ancient history
Last year's lodged return shows $90k. This year you're tracking $280k. The lender averages the old numbers and cuts your borrowing in half.
Your accountant optimised you into a corner
Every deduction, every add-back, every dollar left in the company. Great for tax. Brutal for serviceability.
All the income, none of the assets
The business pays well but owns your time. Without property and assets outside it, there's nothing to step back into.
We assess you on today’s income — not 2022’s tax return
A bank branch has one policy. We have a panel of lenders, and we know which of them will read your numbers the way your accountant does. That’s the whole difference between “declined” and “approved”.
The bank: two years lodged returns, averaged, add-backs ignored, done.
Ascent: current-year BAS, accountant declaration, correct add-backs, matched to the right lender.
Accountant declarations
Where policy allows, a signed declaration from your accountant on current-year income can replace a second year of returns.
2 BAS statements
Recent quarterly BAS shows what you're actually turning over now — not what you lodged 20 months ago.
1 year of financials
Multiple lenders on our panel accept a single trading year at full standard rates. Not a last-resort product.
Add-backs done properly
Depreciation, one-off costs, super, interest, retained profits, director's loans — presented so the assessor actually credits them.
Your business pays you well. But can you ever stop working?
Most business owners we speak to earn more than their employed friends and own far less outside the business. The business is income — it isn’t a retirement plan. Property and assets held outside your entity are what eventually pay you when you want to work less, sell, or step back entirely.
Passive income you don’t have to show up for
Rental income and long-term growth keep compounding on your quiet weeks, your holidays, and the years you decide to slow down.
Assets protected outside the operating entity
Structured correctly with your accountant, so business risk and personal wealth aren’t sitting in the same basket.
An exit that isn’t “sell and hope”
A portfolio built over the next five to ten years gives you options the sale of the business alone rarely delivers.
Minimising your income saves tax — and quietly destroys your borrowing power
Your accountant is doing their job: keep taxable income low. But lenders assess you on exactly that number. Every dollar written down is a dollar of serviceability gone — often three to five times over in borrowing capacity.
The fix isn’t paying more tax. It’s getting your accountant on the same page as your property goals: which add-backs to document, how retained profits and director’s wages are presented, and when to lodge. We run that conversation with them for you.
Get your accountant and lender alignedWhat happens after you book
1. Free 30-minute call
We map your structure, your real income and the property goal. No credit check, no documents needed on the call.
2. Your borrowing position
We model capacity across lenders using the evidence you actually have, then tell you the honest number and the gap.
3. Approval and the next one
We package the submission, get you approved, and build a structure that leaves room for the next purchase.
Book your free 30-minute strategy call
Tell us where you’re at and we’ll come back with a real borrowing position — including what evidence we’d use and which lenders would say yes.
- A straight answer on what you can borrow today
- The exact documents we'd use instead of 2 years of returns
- A structure that keeps room for your next purchase
- No credit enquiry, no pressure, no cost