I’m Simon, a Sydney mortgage broker who works with business owners, contractors and company directors. My job is knowing which lenders read self-employed income properly, and getting your file in front of them the right way. 我是Simon，悉尼持牌房貸經紀，專注服務生意人、承包商及公司葉事。我的工作，是知道哪些貸款機構真正懂得評估自雇收入，並以正確的方式把您的申請呈交給他們。
15 minutes on the phone. No credit check, no obligation. 15分鐘電話諈詢。不查信用記錄，無任何責任。
Pick one and tell me the basics. I’ll call you back within one business day.選擇一項並填寫基本資料，我會在一個工作日內回電。
Usually it has nothing to do with whether you can afford the loan. It’s how your income is being read. 通常與您的還款能力無關，而在於您的收入被如何解讀。
The majors usually want 2 full years of history. Several lenders accept 1 year, and a few will go earlier when you’ve moved into contracting in the industry you already worked in. 大銀行通常要求兩個完整年度的記錄。有幾家機構接受一年，如果您是在原行業轉為承包工作，個別機構的要求更寬鬆。
Your accountant did their job. The fix is add-backs: depreciation, one-off expenses, interest on debts being refinanced, extra super contributions. Applied properly, your assessable income can sit well above your taxable income. 您的會計師只是做好了本職工作。解決方法是「加回」：折舊、一次性開支、將被轉貸債務的利息、額外退休金供款。妥善處理後，可評估收入往往遠高於應稅收入。
Company plus trust plus director wages confuses assessors unless it’s presented the way their credit team expects. Presenting it properly is half the approval. 公司加信託加葉事薪金，如果不按信貸部門的習慣呈現，審批人員就會看不明白。正確地呈現財務資料，就是成功的一半。
If your income jumped recently, averaging drags your borrowing power down. Some lenders assess on your most recent year instead. 如果您的收入近年大幅增長，取平均值會拉低您的借貸能力。有些機構只按最近一年評估。
None of these mean you can’t get a loan. They usually mean you’re talking to the wrong lender. 以上情況都不代表您借不到錢，通常只代表您找錯了貸款機構。
Every self-employed application is a translation job: your real financial position, presented in the format each lender’s credit team understands. 每一份自雇貸款申請都是一項「翻譯」工作：把您真實的財務狀況，轉化為每家機構信貸部門能理解的格式。
Tax returns, NOAs and company financials with add-backs applied, matched to lenders whose policy suits your numbers — including latest-year assessment where income has grown. 稅表、評稅通知書及公司財務報表經專業整理並合理加回，再配對政策適合您的機構 — 包括收入增長時只按最近一年評估的機構。
Some lenders accept BAS statements, business bank statements or an accountant’s declaration instead of tax returns. Different pricing, real trade-offs — I’ll walk you through both paths. 部分機構接受BAS報表、公司銀行月結單或會計師聲明代替稅表。定價和條款有別，各有利弊 — 我會為您分析兩條路徑。
First home, next home, investment, or refinancing a loan you were forced into when you had fewer options — including releasing equity to fund the business. 首置、換房、投資，或轉走當年別無選擇時被迫接受的貸款 — 亦可提取物業淨值支持生意發展。
Select from a panel of 40+ banks and lenders offering hundreds of loan products — the majors, and the specialists built for self-employed income. 從40多家銀行及貸款機構、數百種貸款產品中選擇 — 既有主要銀行，也有專為自雇收入而設的機構。
Book a free consultation預約免費諈詢A selection from my panel is shown. All lending subject to the relevant lender’s criteria and approval. 僅展示部分合作機構。所有貸款須符合相關機構的審批條件。
ANZ
NAB
Westpac
CommBank
Macquarie
INGANZNABWestpacCommBankMacquarieING
St.George
Bankwest
Suncorp
AMP
HSBC
Bank of ChinaSt.GeorgeBankwestSuncorpAMPHSBCBank of China
Pepper Money
La Trobe
RedZed
Liberty
Resimac
FirstmacPepper MoneyLa TrobeRedZedLibertyResimacFirstmacBy phone, in whichever language suits. You tell me the goal; I tell you honestly whether and how it can work. 電話溹通，語言隨您選擇。您講述目標，我坦誠告訴您是否可行、如何可行。
Your financials, assessed the way each lender’s credit team would assess them — add-backs, structure and all — before anything is lodged. 按各機構信貸部門的方法計算您的財務數字 — 加回、架構全部處理妥當 — 在遞交任何申請之前。
The options that genuinely fit, what they cost, and why — explained in plain English, or in Cantonese or Mandarin if you prefer. 真正適合的選擇、費用及原因 — 用您聽得明白的語言解釋清楚。
I package the file, handle the assessor’s questions, and update you at every milestone until the keys are yours. 由我整理文件、回應審批人員的問題，每個節點及時通知，直至順利交割。
I run my own business — ABN, BAS, quarterly cash-flow, the lot. When I became a mortgage broker, I kept seeing the same thing: people with solid businesses getting knocked back, not because they couldn’t afford the loan, but because their paperwork didn’t look like an employee’s. 我經營自己的生意 — ABN、BAS、季度現金流，全都親身經歷。成為房貸經紀後，我不斷看到同一件事：生意穩健的人被拒諸門外，不是因為還不起貸款，而是因為文件不像打工族的工資單。
So I made it my specialty. I’m a licensed credit representative based in Sydney, I work in English, Cantonese and Mandarin, and self-employed lending is what I do all day. 於是我把這個範畴作為我的專業。我是悉尼的持牌信貸代表，以英語、粤語及國語服務，全職專注自雇貸款。
One broker, your file, start to finish. If I don’t think it will be approved, I’ll tell you before we lodge — not after. 一位經紀，全程負責您的申請。如果我認為不會獲批，我會在遞交之前告訴您，而不是之後。
Pick a time that suits you — evenings and weekends included. The booking goes straight into my calendar, and I call you at the time you choose. 選擇適合您的時間 — 包括平日晚上及週末。預約會直接進入我的日曆，我會準時致電給您。
Opens the booking page in a new tab. 將在新分頁開啟預約頁面。
Within one business day, usually sooner. No credit check, no obligation, and your details never leave my desk. 一個工作日內回覆，通常更快。不查信用記錄、無任何責任，您的資料絕不外傳。
