18/02/2026
Case Study: New ABN. No Full Financials. Approved.
Our client had been trading under his ABN for less than six months and wanted to refinance his home loan with cash out for renovations.
In today’s lending market, that’s usually where most conversations stop.
No long trading history.
No full financials.
Most lenders say “no”.
The Solution
Instead of taking the easy route, we looked deeper.
Using our specialist white label product, we structured the application so the client’s accountant could confirm that the proposed repayments were affordable — without needing to formally declare income.
This opened the door where others couldn’t.
We carefully presented the full picture: the property, the client’s business, his cash flow, and his long-term goals. Every detail was considered.
This wasn’t about shortcuts.
It was about smart structuring and strong advocacy.
The Result
✅ Approved at 60% LVR
✅ Competitive 6.28% rate
✅ Cash out secured for renovations
✅ No full financials required
Despite heavy scrutiny, the deal made sense — and it was approved.
Why This Matters
If you’re newly self-employed or running your own business, traditional lenders don’t always understand your situation.
We do.
We specialise in complex scenarios and turn “unlikely” into “approved.”
If you’ve been told “no” — or you’re worried you might be — let’s talk first.
Because the right strategy changes everything.
