Mortgage Broker · YBR Inner Melbourne
Been told no? Get a second opinion before you give up.
No tax returns lodged? That doesn’t mean no.
Most self-employed people get told no before anyone even looks at the real numbers. BAS, an accountant’s declaration, business bank statements - there’s usually still a path. See what you could borrow in about 60 seconds. No obligation.
Step 1 - the numbers
Run your own numbers
See how much you could borrow using your accountant’s declaration, BAS, or bank statements - two fields, one click. Nothing is sent anywhere until you choose to get in touch.
Business snapshot
Enter an income figure above first.
With your deposit added, that’s $0 in property price within reach.
Property price achievable
$0
borrowing power + your deposit
Est. monthly repayment
$0/mo
at today’s indicative rate
What your next step could unlock
What would you do with it instead?
How it works
Three steps, no paperwork yet
Run the numbers
Enter what you can show a lender below - income and deposit. Nothing is sent anywhere at this point.
See what may be possible
Compare what a bank might tell you with what other lenders may consider.
Decide if it’s worth a call
If the numbers stack up, get in touch and I’ll confirm exactly what documents you’d need.
Who this is for
Opportunities don’t wait for your tax return.
A property, business premises or equipment - the right moment rarely lines up with your paperwork. If you run your own business, this is for you.
Tradies and sole traders
Income that moves with the seasons, and a tax return that doesn’t tell the whole story.
Contractors and freelancers
Paid on invoices, not payslips. BAS and bank statements can show the real picture.
Newer businesses
Less than two years of returns? Ask before you assume the answer is no.
Companies and trusts
Income runs through a structure. An accountant’s declaration can help explain it.
Who you’d be talking to
Hi, I’m Dragan
I hold a Bachelor of Finance & Banking (Honours) and a Certificate IV in Finance and Mortgage Broking. I work with self-employed people whose numbers don’t fit a standard PAYG application - tradies, contractors, small business owners. I start with how your business really earns, using BAS, an accountant’s declaration or bank statements where a tax return doesn’t tell the whole story.
Compares lendersOptions across a panel of lenders, not one bank’s rate card.
Low doc lendingAccountant’s declaration, BAS & bank statement lending - not just tax returns.
YBR Inner MelbourneCredit Representative of Yellow Brick Road Finance, ACL 393195.
Beyond self-employed loans
One broker for all of it
Home, business, commercial and equipment finance, all handled by me from first chat to settlement.
Commercial property finance
Buying, refinancing or developing commercial property, and investment lending.
Start the commercial check
Home loans and refinancing
Compare lenders and see what a different loan could mean for you, free in about a minute.
Try the calculator
Equipment and asset finance
Finance for tools, equipment, vehicles and other business assets.
Book a free call
Debt consolidation
Bring your debts together into one repayment. Ask whether it could suit your situation.
Ask me howGeneral information only, not credit advice. All finance is subject to lender credit criteria and eligibility, and debt consolidation can increase the total interest paid over time.
No email needed
Free guides
Download straight away - these don’t require the calculator above.
What Lenders Actually Accept Instead of Tax Returns
BAS, accountant’s declarations, bank statements - what actually gets a low-doc file over the line.
Download PDF
Low Doc vs Full Doc, Explained Plainly
What actually changes - rate, LVR, paperwork - written for business owners, not brokers.
Download PDF
The Self-Employed Loan Checklist
What to line up before you apply, so a missing document never costs you the deal.
Download PDFVerified, not written by us
5.0 on Google
Real reviews from YBR Inner Melbourne’s listing - see them all on Google Maps.
“From the very beginning, he was professional, responsive, and genuinely took the time to understand our situation and goals. We couldn’t be happier with the result.”
Milica Filipovic Google review · 8 months ago“Always available whenever I needed assistance - even during holidays and weekends. His guidance made the whole experience much smoother and less stressful.”
Dragana Radulj Google review · 4 months ago“Fantastic encounter with my broker Dragan.”
Sivagami Mathuray Google review · 6 weeks agoCommon questions
Self-employed and wondering if it’s possible?
Can I get a home loan if I’m self-employed and haven’t lodged tax returns?
It can be possible. Some lenders offer low doc loans that assess your income using BAS, an accountant’s declaration or business bank statements instead of two years of tax returns. Whether it suits you depends on your business, your credit history and how long you’ve held your ABN.
What is a low doc loan?
A low doc loan is a loan for people who can’t easily provide the usual tax return paperwork. Instead of returns, you provide other evidence of income. These loans often come with a higher rate and a lower maximum loan-to-value ratio than a full doc loan, though this varies from lender to lender.
How much can I borrow as a self-employed person?
It depends on your income, expenses, existing debts, deposit and credit history, and on the lender. The calculator on this page gives an indicative estimate only. A proper assessment of your full circumstances is the only way to get a real answer.
Does using the calculator affect my credit score?
No. The calculator on this page does not run a credit check. A formal loan application does involve a credit enquiry, and that would only happen with your agreement.
What is an accountant’s declaration?
It’s a signed statement from a qualified accountant confirming your business income. Some lenders accept it in place of tax returns, which can be useful if your returns aren’t lodged yet or don’t reflect what the business actually earns.
How long do I need to have had my ABN?
Many lenders look for around two years, but this varies. Some will consider a shorter history when other parts of your situation are strong, such as your deposit, your credit record and your industry experience.
Can you help with more than a home loan?
Yes. I arrange home, investment and commercial finance. Tell me what you’re trying to fund and I’ll explain what’s realistic.