Lenders assess income differently
Some lenders average two years, use the latest year, or consider alternative documentation subject to policy.
ClearWay Finance Guide
Self-employed Lending Guide
A practical introduction to common lending considerations.
Add-backs need evidence
Potential add-backs must be supported and accepted under lender policy.
Business trends matter
Stable or improving income is generally easier to assess than declining or volatile results.
Structure affects documents
Companies, trusts, partnerships and sole traders can require different information.