Bower & Co.

Bower & Co. Mortgage broker for self-employed & PAYG professionals
Complex loans, trusts & company structures
Upgrade • Invest • Refinance Bower & Co.

provide strategic mortgage advice for busy, high-income professionals. We work with clients who are upgrading, investing or refinancing - often with complex income, multiple properties or evolving financial goals. Our role is simple: to simplify the complex and guide you through the process so you can make confident, well-structured decisions. We focus on:
• Lending strategy - not just rates
• Str

ucturing loans for long-term flexibility
• Managing the process from start to finish

We also assist with more complex lending scenarios including SMSF lending, commercial finance and structured lending solutions where appropriate. Based in Melbourne & the Gold Coast, we work with clients Australia-wide via Zoom.

The RBA has left the cash rate on hold at 4.35%.A hold doesn't mean your loan should be left alone too. Lender pricing a...
11/08/2026

The RBA has left the cash rate on hold at 4.35%.

A hold doesn't mean your loan should be left alone too. Lender pricing and refinancing options can move independently of the cash rate, and many borrowers end up sitting on a rate that no longer reflects what's available.

If your mortgage hasn't been reviewed in a while, now's a reasonable time to check.

Book a call via the link in bio.

An auction purchase is unconditional the moment the hammer falls. No finance clause, no cooling off, no backing out. Whi...
31/07/2026

An auction purchase is unconditional the moment the hammer falls. No finance clause, no cooling off, no backing out. Which means the finance work has to be finished before you bid, and "finished" means more than a quick online pre-approval.

A fully assessed pre-approval, a firm ceiling, the deposit ready to move, and ideally the lender's read on the property type, because some assess certain properties differently.

At higher price points there's usually more to resolve, not less. Company or trust purchases and multiple income sources all take time to work through properly.
If there's an auction in your next few months, the time to talk is now, not the Thursday before.

Book a call with Karl. Link in bio.

30/07/2026

Your tax return is built to show less income. Many lenders assess you on exactly that figure.

But depreciation, one-off expenses and additional super can often be added back, which can change your borrowing capacity significantly. How much, and which items, varies between lenders.

Good accounting shouldn't cost you the loan. It usually just needs to be read properly.

Book a call with Karl. Link in bio.

A better job should improve your borrowing position, not freeze it. Yet people routinely wait out probation because some...
22/07/2026

A better job should improve your borrowing position, not freeze it. Yet people routinely wait out probation because someone told them they had to.

Lender policy varies. Some want probation complete. Others can lend from a first payslip, particularly when the move is within the same industry and the income has stepped up.

Before you put plans on hold, find out whether you actually need to.

Book a call with Karl. Link in bio.

Switching brokers after 5+ years isn't a small decision. Jason made the move for exactly the reason most high-income bus...
21/07/2026

Switching brokers after 5+ years isn't a small decision. Jason made the move for exactly the reason most high-income business owners eventually do - generic advice stops working once your structure gets complex.

Thanks for trusting us Jason.

Your financials are a historical snapshot. Businesses move faster than snapshots.Full documentation suits steady, establ...
20/07/2026

Your financials are a historical snapshot. Businesses move faster than snapshots.

Full documentation suits steady, established profit. Where the last two years don’t tell your real story, some lenders can work from different evidence instead: bank statements, BAS history, an accountant’s declaration. The income is still verified. It’s just read through records that match how your business runs.

Which path suits you is about structure, trading history and what the documents genuinely support. We have that conversation before any lender sees your file.

Book a call with Karl. Link in bio.

Lender policy on ABN history varies more than most people expect. Some want eighteen months before they’ll look at you. ...
17/07/2026

Lender policy on ABN history varies more than most people expect. Some want eighteen months before they’ll look at you. Others will accept an ABN that’s been registered for one day when the evidence supports it.

The catch: applying to the wrong lender first isn’t without consequences. A declined application leaves an enquiry on your credit file, and that can make the next application harder.

We match your position to a lender whose policy already fits it, before anything is lodged.

Book a call with Karl. Link in bio.

The market and lenders reprice regularly. Your loan doesn't.Most borrowers set and forget, and lenders count on it. A sh...
16/07/2026

The market and lenders reprice regularly. Your loan doesn't.

Most borrowers set and forget, and lenders count on it. A sharper rate can often be negotiated with your current lender directly, and when refinancing does stack up, the real costs deserve a look before anyone recommends it.

Our clients don't have to remember any of this. Lending reviewed regularly. Rates challenged when the market moves. Advice that sometimes says stay put.

Book a call with Karl. Link in bio.




23/06/2026

If your income includes base plus bonus, you need to know how lenders will actually treat that bonus, because almost all of them will accept it, but they won’t treat it the same way.

Some average it over the last two years, and only use 80% of that figure. Some won’t count it at all if it’s discretionary. Others will only include it if it’s a formal part of your employment contract.

So if you’ve got $120k in bonus income, you might be assuming the full amount counts toward your serviceability. In a lot of cases, it doesn’t.

Knowing which lenders treat bonus income most favourably can change your outcome significantly.

If your income includes bonus or variable components, DM us before you assume what counts.



A client found an investment opportunity too good to wait on, but the contract carried a 7-day finance clause.The deal n...
22/06/2026

A client found an investment opportunity too good to wait on, but the contract carried a 7-day finance clause.

The deal needed a company and trust structure at 90% LVR, interest only. The kind of lending most major banks and mainstream lenders have quietly stopped doing altogether.
The standard turnaround for this type of assessment is 20+ business days. We had 7.

It came down to a lending relationship Karl has held with the same BDM for almost two decades — not a favour, just what 20 years of trust and track record buys you when it counts.

Approved in 7 days. Settled in 30. LMI waiver secured on a structure where waivers are rarely available at all.

This is the kind of scenario we specialise in.

Start the conversation.
Link in bio.

Address

Level 2, 161 Collins Street
Melbourne, VIC
3000

Opening Hours

Monday 8:30am - 5:30pm
Tuesday 8:30am - 5:30pm
Wednesday 8:30am - 5:30pm
Thursday 8:30am - 5:30pm
Friday 8:30am - 5:30pm

Telephone

+611300001801

Website

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