John Carson-ZangorResidential Mortgage Broker Call John0451 389 800

Home loans for accounting professionals

A clean professional profile can still need careful treatment when income includes bonuses, partnership distributions, contractor work or business earnings.

What John checks first

John checks how the income is earned and evidenced, then tests lender policy without assuming a professional title overrides ordinary credit assessment.

  • PAYG salary, bonus, contractor or practice income
  • Partnership, company or trust distributions
  • Income trend and time in the current role or business
  • Existing investment, personal and business liabilities
  • Deposit, equity, property purpose and structure

Documents that may help

  • Recent payslips and employment contract
  • Tax returns, notices of assessment or financials where required
  • Evidence supporting bonus or variable income history
  • Entity and distribution documents for business income
  • Statements for debts, savings and available equity

Important limits

  • Professional policy settings vary by lender
  • Bonus and distribution income may be shaded or averaged
  • Tax-effective structures are not automatically accepted as serviceable income
  • Tax, legal and financial advice should come from appropriately qualified advisers

General information only. Any personal credit assistance requires a review of your objectives, financial situation and needs. Approval remains subject to lender assessment and criteria.