In this video I walk you through a real (fully redacted) client file, showing you exactly how to read the documents, identify the right income figures, spot add-backs, and calculate the number you need to present to a lender with confidence.
I'll also show you how I plug these details into Quicklii so you can see exactly how it flows from document to serviceability assessment.
And I'll show you how to spot the difference between a sole trader's tax return vs a self-employed applicant who runs their business through a company – plus some questions to ask when you're unsure that will position you as the expert and make you look smart AF.
I failed accounting in school. Oh the irony! Because after 16 years of reading hundreds of company tax returns, my accountant tells me I’m pretty good at it!
In this video I walk you through as set of company financials (details redacted), showing you exactly how to read a company tax return, identify director wages, addbacks, and how this income flows through to the directors, onto their personal tax returns, via a trust.
Real documents. Real numbers. No guesswork.
Yep. I said it. SMSF loans are easy. Even easier than a standard PAYG first home buyer – I promise.
In this video I walk you through a two-part scenario: a PAYG client who buys their first investment property inside their SMSF, then comes back 12 months later ready to buy a second. I show you the documents you need, how to use the SMSF calculator, and what documents the clients need to supply.
I'll also touch on how lenders assess SMSF income for a self-employed client.
By the end you'll have a clear, repeatable process for handling SMSF deals with confidence – and a very good reason to stop referring them away.
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