Work with Michael BrownMortgage Broker in Sydney

Yes. Self-employed borrowers can access most of the same loans as salaried applicants, but lenders assess the income differently and their policies vary widely on which income they will count.

The usual sticking points are how recently you started trading, how your income is distributed across entities, and whether the last financial year reflects how the business is actually performing. Different lenders take genuinely different views on all three, which is why comparing across a panel matters more for self-employed applications than for any other kind.

Most lenders start with your two most recent years of tax returns and notices of assessment, plus business financial statements. Some will look at a shorter trading history, and some will consider alternative evidence of income.

Michael will tell you which documents matter for your situation before you start gathering anything, so you are not collecting paperwork a lender never asked for.

Yes, a self-managed super fund can borrow to buy property using a limited recourse borrowing arrangement, though the lender panel for SMSF loans is smaller than for standard home loans and the rules are stricter.

SMSF lending sits alongside your accountant's and adviser's work rather than replacing it. Michael arranges the finance and works with your existing advisers on the structure.

Often, yes. A decline by one lender is a decline against that lender's policy, not a judgement on whether the loan can be written anywhere.

This is a large part of Michael's work. He has arranged finance for clients who had been knocked back more than once elsewhere, including older borrowers and business owners with complex income. The first step is understanding why the decline happened, because that determines whether it is worth reapplying elsewhere now or fixing something first.

Our service is free to you. Michael is paid by the lender once your loan settles, at no extra cost to you.

He will explain how he is paid on your particular loan before you commit to anything.

Commercial property purchases, business lending, and asset and equipment finance, for clients ranging from sole operators to large enterprises.

Twenty years inside corporate banking, finishing as a Portfolio Manager in Corporate Banking, is what lets him read a commercial deal the way a credit team will read it. His largest was the finance for a multimillion-dollar shopping centre.

No. Michael is based in Sydney and works with clients across Australia. Appointments by phone and video are normal, and documents are handled electronically.

It is a conversation, not an application. Michael asks about your situation and what you are trying to do, then tells you plainly what looks possible, what does not, and what the next step would be.

There is no cost and no obligation, and nothing is submitted to any lender until you decide to proceed.