Check My Borrowing Capacity

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Rated

by Self Employed Australians

Your Accountant Did Their Job. The Bank Used It Against You.

Amila spent 15 years inside NAB and CBA running credit assessments for self employed home loans. He knows exactly what triggers a decline, how to rebuild your real income using add-backs, and which of 40+ specialist lenders will approve your structure. Get the number your bank refused to give you. Free, no obligation.

Amila spent 15 years inside NAB and CBA running credit assessments for self employed home loans. He knows exactly what triggers a decline, how to rebuild your real income using add-backs, and which of 40+ specialist lenders will approve your structure. Get the number your bank refused to give you. Free, no obligation.

Your taxable income isn't your real income: Depreciation, equipment costs, and distributions can be added back to rebuild your assessable income. Most self-employed borrowers find $50,000 to $150,000 more in borrowing capacity than their tax return suggests.

Your taxable income isn't your real income: Depreciation, equipment costs, and distributions can be added back to rebuild your assessable income. Most self-employed borrowers find $50,000 to $150,000 more in borrowing capacity than their tax return suggests.

15 years inside the banks, now on your side: Amila was one of the credit assessors at NAB and CBA deciding these exact applications. He knows what gets a file declined before it ever reaches a decision-maker, and how to make sure yours doesn't.

15 years inside the banks, now on your side: Amila was one of the credit assessors at NAB and CBA deciding these exact applications. He knows what gets a file declined before it ever reaches a decision-maker, and how to make sure yours doesn't.

No credit impact. Free. No obligation: We identify the right lender before submitting anything. No credit inquiries, no shotgunned applications. Your strategy session is completely free.

No credit impact. Free. No obligation: We identify the right lender before submitting anything. No credit inquiries, no shotgunned applications. Your strategy session is completely free.

Check Your Self Employed Home Loan Borrowing Capacity

Check Your Self Employed Home Loan Borrowing Capacity

Trusted by Self Employed Business Owners

Proven Results That Speak for Themselves

100+

Self Employed Borrowers Helped

40+

Specialist Lenders Compared

5+

Star Rated From Self Employed Business Owners

15+

Years Combined Experience

100+

Self Employed Borrowers Helped

5+

Star Rated From Self Employed Business Owners

40+

Specialist Lenders Compared

15+

Years Combined Experience

Check My Borrowing Capacity

Check My Borrowing Capacity

Our Partners

Accredited to Compare 40+ Leading Lenders

Our Solution

Your Complete Self Employed Home Loan Solution

Check My Borrowing Capacity

Check My Borrowing Capacity

Your Real Income Is Higher Than Your Bank Thinks

When your accountant minimises your tax, the bank reads a declared income that doesn't reflect what your business actually earns. Amila uses add-backs including depreciation, equipment costs, and distributions to present your real income for self employed home loans. Most borrowers find $50,000 to $150,000 more in borrowing capacity than their bank quoted.

Your Real Income Is Higher Than Your Bank Thinks

When your accountant minimises your tax, the bank reads a declared income that doesn't reflect what your business actually earns. Amila uses add-backs including depreciation, equipment costs, and distributions to present your real income for self employed home loans. Most borrowers find $50,000 to $150,000 more in borrowing capacity than their bank quoted.

Your Real Income Is Higher Than Your Bank Thinks

When your accountant minimises your tax, the bank reads a declared income that doesn't reflect what your business actually earns. Amila uses add-backs including depreciation, equipment costs, and distributions to present your real income for self employed home loans. Most borrowers find $50,000 to $150,000 more in borrowing capacity than their bank quoted.

Your Credit Score Stays Protected From the Start

If you've already been knocked back, every additional application leaves another mark on your credit file. Amila reviews your full position first and targets the one lender most likely to approve your exact income structure before submitting anything. One application, to the right lender, protecting your credit score from the start.

Your Credit Score Stays Protected From the Start

If you've already been knocked back, every additional application leaves another mark on your credit file. Amila reviews your full position first and targets the one lender most likely to approve your exact income structure before submitting anything. One application, to the right lender, protecting your credit score from the start.

Your Credit Score Stays Protected From the Start

If you've already been knocked back, every additional application leaves another mark on your credit file. Amila reviews your full position first and targets the one lender most likely to approve your exact income structure before submitting anything. One application, to the right lender, protecting your credit score from the start.

Get Approved Where Other Brokers Said It's Too Complicated

Complex trust structures, distributions, and irregular income are exactly the income types that trip up standard lenders on a self employed home mortgage. Amila assessed these structures from the inside at NAB and CBA for 15 years. He knows which specialist lenders will read your income type fairly before you submit a single document.

Get Approved Where Other Brokers Said It's Too Complicated

Complex trust structures, distributions, and irregular income are exactly the income types that trip up standard lenders on a self employed home mortgage. Amila assessed these structures from the inside at NAB and CBA for 15 years. He knows which specialist lenders will read your income type fairly before you submit a single document.

Get Approved Where Other Brokers Said It's Too Complicated

Complex trust structures, distributions, and irregular income are exactly the income types that trip up standard lenders on a self employed home mortgage. Amila assessed these structures from the inside at NAB and CBA for 15 years. He knows which specialist lenders will read your income type fairly before you submit a single document.

Find the Approval Your Bank Refused to Give

Most people approach one bank and take what they're offered, not knowing specialist lenders exist with completely different assessment policies. Amila compares 40+ lenders including non-bank specialists who offer home loans for self employed borrowers on terms the major banks don't have. Your structure gets matched to the lender most likely to say yes.

Find the Approval Your Bank Refused to Give

Most people approach one bank and take what they're offered, not knowing specialist lenders exist with completely different assessment policies. Amila compares 40+ lenders including non-bank specialists who offer home loans for self employed borrowers on terms the major banks don't have. Your structure gets matched to the lender most likely to say yes.

Find the Approval Your Bank Refused to Give

Most people approach one bank and take what they're offered, not knowing specialist lenders exist with completely different assessment policies. Amila compares 40+ lenders including non-bank specialists who offer home loans for self employed borrowers on terms the major banks don't have. Your structure gets matched to the lender most likely to say yes.

Keep Running Your Business. We Own Everything Else

Most self-employed borrowers don't know what documents they need, who to send them to, or how long approval will take. Amila liaises directly with your accountant, manages all lender communications, and keeps you updated at every milestone from first call to settlement. You keep running your business while we handle everything else.

Keep Running Your Business. We Own Everything Else

Most self-employed borrowers don't know what documents they need, who to send them to, or how long approval will take. Amila liaises directly with your accountant, manages all lender communications, and keeps you updated at every milestone from first call to settlement. You keep running your business while we handle everything else.

Keep Running Your Business. We Own Everything Else

Most self-employed borrowers don't know what documents they need, who to send them to, or how long approval will take. Amila liaises directly with your accountant, manages all lender communications, and keeps you updated at every milestone from first call to settlement. You keep running your business while we handle everything else.

One Broker for Every Property Move You'll Ever Make

Most brokers disappear once a loan settles, leaving you to navigate rate changes and refinancing decisions alone. Amila's clients get ongoing access to the same team that structured their self employed house mortgage, not a handoff to junior staff. For rate reviews, your next property, or a structure change, we're still your first call.

One Broker for Every Property Move You'll Ever Make

Most brokers disappear once a loan settles, leaving you to navigate rate changes and refinancing decisions alone. Amila's clients get ongoing access to the same team that structured their self employed house mortgage, not a handoff to junior staff. For rate reviews, your next property, or a structure change, we're still your first call.

One Broker for Every Property Move You'll Ever Make

Most brokers disappear once a loan settles, leaving you to navigate rate changes and refinancing decisions alone. Amila's clients get ongoing access to the same team that structured their self employed house mortgage, not a handoff to junior staff. For rate reviews, your next property, or a structure change, we're still your first call.

The Process

Securing Your Self Employed Home Loan is This Simple.

Step 1

We Map Your Real Borrowing Position

Before approaching a single lender, Amila reviews your tax returns, BAS statements, and business structure to identify every add-back available to you. This is where most self employed home mortgages fall apart with generalist brokers. They submit first and find problems later. You walk away from Step 1 knowing exactly what you can borrow, not what a bank calculator says. That clarity alone is worth the call.

Step 1

We Map Your Real Borrowing Position

Before approaching a single lender, Amila reviews your tax returns, BAS statements, and business structure to identify every add-back available to you. This is where most self employed home mortgages fall apart with generalist brokers. They submit first and find problems later. You walk away from Step 1 knowing exactly what you can borrow, not what a bank calculator says. That clarity alone is worth the call.

Step 2

We Find the Lender Who Will Approve You

Amila's 15 years inside NAB and CBA means he knows exactly how credit assessors read complex income structures before he ever submits anything. He matches your specific setup to the lender from our 40+ panel whose policies are most favourable to how you earn. One application goes in, to the right place, the first time. No guessing, no credit damage, no wasted weeks. You move forward with complete confidence in the plan.

Step 2

We Find the Lender Who Will Approve You

Amila's 15 years inside NAB and CBA means he knows exactly how credit assessors read complex income structures before he ever submits anything. He matches your specific setup to the lender from our 40+ panel whose policies are most favourable to how you earn. One application goes in, to the right place, the first time. No guessing, no credit damage, no wasted weeks. You move forward with complete confidence in the plan.

Step 3

We Handle Everything Through to Settlement

From lodgement to lender communications to progress updates, Amila and the team own every step. Whether it's a self employed house mortgage, a refinance, or your next investment property, you keep running your business while we move your loan forward. Settlement day arrives and you walk away knowing your lending is structured correctly, by someone who's been on both sides of the table.

5 Star Rated

From 50+ Reviews

Reviews

What Our Self Employed Clients Say

Real results from self-employed Australians who needed a specialist self employed home loan broker on their side.

Check My Borrowing Capacity

Check My Borrowing Capacity

"I had the pleasure of working with Amila on my self employed mortgage, and I cannot recommend his services highly enough. From our very first meeting, Amila demonstrated exceptional professionalism, deep knowledge of the lending market, and a genuine commitment to securing the best possible outcome for me. He took the time to understand my financial goals and patiently explained every step of the process in clear, practical terms. What stood out most was his responsiveness and attention to detail, he was always available to answer my questions and ensured I felt confident and supported throughout the entire journey."

YJ

Yomith J Jayasingha

Verified Google Review

"I would like to thank Pinnacle Finance, especially Amila, who helped me every step of the way to make my first home dream come true. I had tried a couple of times before with other self employed home lenders but was not successful until Amila was recommended by a friend. After the initial discussion, he exactly identified my situation and circumstances and tailored the process accordingly. He's very knowledgeable and confident throughout the whole process, and most importantly he was always available to answer my questions. I couldn't be happier — I would highly recommend him to anyone looking for a reliable and trustworthy mortgage broker."

LM

Lakshan Mudiyanselage

Verified Google Review

"When I first started the process of buying a house, I didn't know where to begin with self employed home financing. From our very first phone conversation, Amila impressed me with his professionalism, positivity, and supportive approach. He not only guided us with our mortgage needs but also connected us with other trusted professionals to ensure we had the right support along the way. Amila was always available whenever we had questions, which made the process much smoother and less stressful. We are truly grateful for his guidance and dedication."

NP

Nash Pasqual

Verified Google Review

"I had a fantastic experience securing my ABN home loan through Pinnacle Finance Solutions. The process was smooth from start to finish, the approval was quick, and the team kept me informed every step of the way. They offered competitive rates and were incredibly professional and transparent throughout. I highly recommend them to anyone looking for a reliable and specialist lender."

DR

Dilani Ranaweera

Verified Google Review

"I was especially impressed by how quickly my self employed mortgage was approved and how competitive the interest rate was. They made what could have been a complicated process feel simple and manageable. I highly recommend Pinnacle Finance Solutions to anyone looking for a reliable and supportive home loan specialist."

UR

Usith Rodrigo

Verified Google Review

"I am incredibly grateful for Amila's service throughout my ABN home loan journey. His dedication to securing the approval and finding the best possible outcome was evident at every step. I would enthusiastically recommend Amila to anyone seeking specialist finance support for their dream home."

JF

Janith Fernando

Verified Google Review

"I had the pleasure of working with Amila on securing my self employed home financing, and his support throughout the process was truly invaluable. He took the time to understand our specific needs and guided us through a range of options that best suited our circumstances. From finding the right self employed home lenders to managing the full process, he was outstanding from start to finish."

SA

Sidath Ariyaratne

Verified Google Review

Your Self Employed Specialist

Meet Amila Kapurubandara

I spent 15 years inside NAB and CBA running home loan operations and credit assessments. At the peak I was overseeing more than 3,000 applications a week. In that time I saw exactly what goes on behind the scenes, and I watched countless self-employed borrowers get declined not because they couldn't afford the loan, but because the bank's assessment policy was never built for how they earn.

I saw how assessors read tax returns and stopped there. I saw complex income structures get declined in minutes by people who didn't understand them. I saw good business owners - people turning over hundreds of thousands of dollars - get told they didn't qualify because their accountant had done their job too well.

I left to sit on your side of the table. When I help someone with home loans for self employed situations, I'm not guessing what the assessors want to see. I know exactly how they think, what triggers a decline before a file even reaches a decision-maker, and how to package your application to get a yes from the right lender the first time.

This isn't a standard brokerage. I compare 40+ specialist lenders including non-bank options the major banks will never show you, and I work directly with your accountant to make sure your income is presented in the way that maximises your borrowing capacity. No handoffs to junior staff. No guesswork. Just specialist structure from someone who's been on both sides of the table.

15+ Years Inside the Big 4: Former leadership in home loan operations at NAB and Commonwealth Bank. I know how credit assessors think, because I was one.

I Know What Gets You Approved: I've overseen more than 3,000 applications a week. I know exactly what triggers a decline and how to make sure your file never reaches that point.

40+ Lenders, Matched to Your Structure: I compare specialist lenders the major banks won't mention and target the one whose policy is most favourable to exactly how you earn.

Check My Borrowing Capacity

Check My Borrowing Capacity

FAQs

Frequently Asked Questions

Everything you need to know about securing a self-employed home loan.

I minimise my tax. Does that mean I won't qualify for a home loan?

Not with the right broker. The problem is that major banks assess your taxable income and stop there. A specialist lender uses add-backs to rebuild your assessable income, adding back depreciation, equipment costs, distributions, and other legitimate business expenses that your accountant has written off. For most self-employed borrowers this unlocks $50,000 to $150,000 more in borrowing capacity than their bank quoted. Minimising tax is smart business. It doesn't have to cost you the loan.

I was knocked back before. Will applying again hurt my credit score?

Only if you apply to the wrong lender again. Every hard credit inquiry leaves a mark on your file, which is exactly why we don't submit anything until we've reviewed your full position and identified the lender most likely to approve your exact structure. We pull a complimentary credit file review at the start, assess where you stand, and target one lender — the right one — before a single application goes in. Your credit score stays protected throughout.

How much does this cost me?

Nothing. Amila is paid by the lender upon settlement, not by you. The strategy session is completely free, there's no obligation to proceed, and you won't be charged at any point in the process. The only thing you're committing to is a conversation.

How long does approval take for a self-employed borrower?

Faster than most people expect when the application is packaged correctly from the start. The delays that self-employed borrowers typically experience come from generalist brokers submitting to the wrong lender and spending weeks going back and forth on documentation. Because Amila identifies the right lender and prepares your file with your accountant before submitting anything, most clients receive pre-approval within 48 to 72 hours of lodgement. We'll give you a clear timeline at the end of your strategy session.

Why not just go directly to my bank?

Your bank offers one set of products built around one assessment policy — and that policy was designed for PAYG employees, not business owners. When your income is complex, the bank that handled your everyday banking may not be the lender who will approve you on the best terms. Amila compares 40+ lenders including specialist non-banks with dedicated self-employed policies the major banks don't have. His background as a former NAB and CBA credit assessor means he knows exactly which lender will read your income structure most favourably before anything is submitted.

Services are provided by Pinnacle Finance Solutions Pty Ltd

Services are provided by Pinnacle Finance Solutions Pty Ltd

43 Rossiter Retreat, Cranbourne North VIC 3977

43 Rossiter Retreat, Cranbourne North VIC 3977

Pinnacle Finance Solutions Pty Ltd (ABN 82 664 015 454 / Australian Credit Representative 545577) is a credit representative of BLSSA Pty Ltd (ACN 117 651 760/Australian Credit Licence 391237)

Pinnacle Finance Solutions Pty Ltd (ABN 82 664 015 454 / Australian Credit Representative 545577) is a credit representative of BLSSA Pty Ltd (ACN 117 651 760/Australian Credit Licence 391237)

Pinnacle Finance Solutions Pty Ltd (ABN 82 664 015 454 / Australian Credit Representative 545577) is a credit representative of BLSSA Pty Ltd (ACN 117 651 760/Australian Credit Licence 391237)

Copyright © 2026 All rights reserved

Copyright © 2026 All rights reserved