Borrowers · Credit assistance
Lending for Borrowers Whose Income Takes Explaining
Self-employed, low-doc, and trust or company borrowers often have income that a lender reads differently to a salaried applicant. Eternity Group is a Credit Representative (565110) under Australian Credit Licence 561324 held by Loans Only Pty Ltd — and a Chartered Accounting practice, so the way your income is prepared and the way it is presented to a lender are handled together.
Borrower pathways
Find the pathway that fits how you earn.
Whether you are self-employed, borrowing through a structure, or buying your first home, the starting point is the same: understanding what a lender needs to see.
Self-Employed Mortgage Broker
For sole traders, company directors and trust beneficiaries whose borrowing depends on how the return is prepared and read.
Learn moreLow-Doc Home Loans
Lending options where standard income evidence is limited — how lenders assess alternative documentation, and what they require.
Learn moreTrust & Company Loans
Borrowing in a trust or company name — how lenders assess the structure and the evidence they ask for.
Learn moreSelf-Employed Home Loans
The product-side view of a self-employed home loan — add-backs, two years of returns, and presenting real income clearly.
Learn moreHome Loans
Home loans across a broad panel of lenders, structured to suit your circumstances and goals.
Learn moreHome Loan Pre-Approval
What pre-approval is, what it is not, and the documents a lender needs before they will assess you.
Learn moreFirst Home Buyer
A first-home-buyer pathway — deposit, government schemes where eligible, and the steps to a loan application.
Learn moreGuarantor Home Loans
How a family guarantee works, what it asks of the guarantor, and the risks to weigh before proceeding.
Learn moreRefinancing
Reviewing rate, structure and features on an existing loan — and whether a refinance actually leaves you better off.
Learn moreWhy this matters for self-employed borrowers
The return you lodge is the income a lender reads.
For a salaried applicant, income evidence is straightforward. For a sole trader, company director or trust beneficiary, the picture is shaped by how the return is prepared — add-backs, distributions, retained profits and depreciation are all read differently by different lenders. Because Eternity Group prepares the accounts and assists with the lending, your real income can be presented consistently rather than pieced together across two offices.
Information on this page is general only and does not take your objectives, financial situation or needs into account. Credit eligibility, lender criteria, fees and charges apply, and any lending outcome depends on the lender’s assessment of your specific position — we cannot promise an approval. For background, see our guides on self-employed borrowing capacity, the documents a self-employed borrower needs and trust and company borrower evidence.
General advice warning: The information provided on this website is general in nature and does not constitute personal financial advice. Before making any financial decisions, you should consider your own circumstances and seek professional advice.
How we are paid
In most residential lending scenarios, the lender pays broker commission. If a borrower-paid fee applies, it will be disclosed in writing before you proceed, including in any required Credit Quote or credit disclosure document.
Read our Credit Guide for details about credit assistance, remuneration and dispute resolution.
Book a consultation
Let’s work out how your income presents to a lender.
A 20-minute call to understand your situation and the realistic options. A scoping call before any engagement letter.