You Earn Good Money. So Why Can’t You Borrow What You Expected?

We’ve worked with hundreds of business owners just like you, earning strong incomes but being told they can’t borrow what they expected. It’s not because you’re not making enough, it’s how your income is being assessed.

With 150+ five-star reviews, there’s a reason so many business owners trust us. We know how to position your income properly, work with the right lenders, and structure things to reflect how you actually earn.

For most people, the issue isn’t income, it’s the assessment. Fix that, and everything changes

This usually shows up in a few common ways:

  • Being told you can’t borrow what was expected

  • Income is looking strong, but not showing properly on paper

  • A structure that works for tax, but not for lending

  • Feels like the system isn’t built for how income is earned.

We help all self employed people...

Thanks Alex & Jess! When buying property the finance process can be stressful! But, not with the team at Kingfisher Finance. Their communication before, during and after the documents are all signed and done is faultless. We’ve used them multiple times now and continue to refer them to anyone who needs financial help, we highly recommend them. - Maz M ⭐⭐⭐⭐⭐

I recently refinanced my loan through Kingfisher Finance Group and had an outstanding experience. Alex Gee and his team are excellent communicators—clear, responsive, and always professional. They listened to what I was wanting to achieve, and provided a seamless, transparent and stress-free process.
I felt well-informed and supported at every step. Highly recommend Kingfisher Finance Group to anyone looking for expert guidance and a smooth refinancing experience. - Brendan Brennan ⭐⭐⭐⭐⭐

This Is Where Most Business Owners Get It Wrong…

You’ve now seen how your situation is assessed. The next step is making the right move with the right structure and lender.

This call is for business owners ready to take the next step, not just explore options.

On a quick strategy call, we will help you:

  • Confirm what you can realistically borrow

  • Identify lenders that will actually work with your structure

  • Map out the smartest next step based on your goals

You’re Not Getting the Full Story From Lenders

Most business owners don’t have an income problem.
They have an assessment problem.

You can be earning strong money and still be told you can’t borrow what you expected.

Not because you can’t afford it… But because lenders don’t interpret your income properly.

  • Income sitting inside your business

  • Retained earnings that don’t show on your personal income

  • Add-backs that aren’t being used properly

  • Trust or company structures that are misunderstood

You could be approved for significantly less than what you’re actually capable of borrowing.

Who This Is Actually For?

Business Owners & Directors

  • Income runs through a company or trust

  • Strong numbers, but not recognised properly

  • Can’t borrow what you expected

Self-Employed Professionals

  • Earning well, but it doesn’t show on paper

  • Borrowing capacity feels lower than it should

Business Owners Looking to Invest

  • Want to buy again, but unsure what’s possible

  • Don’t want to structure it wrong and get stuck

You’re not being assessed in a way that reflects how you actually earn.

Why Getting This Wrong Now Can Cost You Later

Most business owners focus on getting approved.

The way your loan is structured now can limit what you can do next.

You might get the loan… but at the cost of:

  • Reduced borrowing capacity for your next purchase

  • Less flexibility when opportunities come up

  • Higher repayments than necessary

  • Getting stuck when you try to grow your portfolio

This is where most people go wrong.

They focus on approval instead of what that approval actually sets them up for.

Why Business Owners & Investors Trust Kingfisher Finance Group

At Kingfisher Finance Group, we do more than just crunch numbers. We help everyday Australians build wealth, secure their dream homes, and make smarter property decisions.


Join our community today and start your journey towards financial empowerment and home ownership.

150+ Five-Star Reviews - Our clients love us for a reason

Most of our clients come through referrals from investors, business owners and professionals who value clear advice and long-term lending strategies.

$100M+ in loans written annually – We know what works

With over $100M in loans written each year, we understand lender policies and how to structure loans for complex situations.

We’re finance strategists, not just brokers – We create real wealth creation plans

We focus on structuring lending decisions that support long-term wealth, not just getting a loan approved.

Boutique, personal service – No bank call centres, just expert advice

Work directly with an experienced broker who understands your situation and provides tailored advice.

If you want more than just a cook-cutter solution, we’re the team you need!

We specialise in complex lending scenarios where the right strategy can unlock better outcomes.

Where Most Business Owners Get Stuck

If any of this sounds familiar, the issue is likely how your income is being assessed.

Buying a Home (Self-Employed)

  • Earning well, but can’t borrow what you expected

  • Told to wait or your income doesn’t translate properly

Refinancing Existing Loans

  • Loans not structured properly

  • You could be in a better position

Using Business Income to Invest

  • Want to buy again, but unsure what’s possible

  • Borrowing capacity isn’t clear

Complex Financial Structures

  • Company, trust or multiple income streams

  • Advice is unclear or inconsistent

The issue isn’t your income — it’s how it’s being assessed.

What people say about working with us.

Our Lending Process

Step 1: Strategy Consultation:

We discuss your current financial position, property ownership, and goals.

Step 2: Equity & Borrowing Assessment:

We assess usable equity, borrowing capacity, and potential lender options.

Step 3: Lending Structure:

We identify lenders and structures suited to your situation.

Step 4: Loan Application & Settlement:

Once the strategy is clear, we manage the application process through to settlement.

Frequently Asked Questions

Can business owners get a home loan?

Yes. Many lenders offer solutions for self-employed borrowers, although the way income is assessed can vary significantly. This is why it is VITAL you work with a broker specialising in self-employed lending.

Do I need two years of financials?

Some lenders require two years, but others may consider alternative assessment depending on your situation. We have had loans approved for clients with ABN’s as little as 6 months.

Can company profits be used for borrowing capacity?

Yes, retained company profits and add-backs may be considered on top of your directors salary and dividends/distributions. This varies depending on the lender and structure, so best to workshop with us prior to applying..

Is borrowing harder for business owners?

It can be more complex, but working with a specialist broker experienced in self-employed lending will improve outcomes. We can provide multiple solutions to ensure we find the best fit given your circumstances.

King Fisher Finance Group
Address: Unit 6/82 Leicester St, Coorparoo QLD 4152
Phone: 0438 376 200

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