Most lenders use the last two years of financials and tax returns, often averaging income (sometimes with discretion for strong recent performance). What they accept depends on structure and quality of reporting. The goal is to show stable, sustainable income—without trying to “force” numbers that won’t hold up.

That’s common. Some lenders will allow reasonable addbacks (like depreciation or one-off expenses), and others are more conservative. We’ll show you which lenders match your profile and, if needed, how to adjust the approach without blowing up your overall tax plan.

Not always. Depending on timing and lender, we may be able to proceed with the prior year plus BAS, bank statements, or accountant commentary. We’ll tell you upfront what’s realistic—because a rushed application with gaps can trigger a decline.

Yes, but it needs proper packaging. The more complex the income (trusts, multiple entities, fluctuating profit), the more important it is to submit a complete file with a clear narrative. We focus on getting a pre-approval that stands up when the assessor does a deep review.

For most owner-occupied homes, buying personally is simpler and often gives better lender options. Entity purchases can create tax and lending complexity and may reduce choices. We’ll talk through the trade-offs based on your structure and goals.