Home finance that reflects how your business actually works
A strong business does not always fit neatly into a standard home loan application. Avantage Finance assesses your income, business structure and financial position, then identifies a lending pathway suited to the way you earn.
Your Business May Be Strong. Your application still needs the right context.
Company or trust structures, director wages, distributions, retained profits, variable cash flow, recent growth and the timing of financial statements can all affect how lenders assess income. The issue is often not whether the business is viable. It is whether the application matches a lender’s policy and contains the information needed to assess it properly.
Discuss Your Borrowing Position
Share a few details about what you are planning. Gavin will contact you to discuss the position and the most practical next step.
A lending Assessment Built Around the Full Financial Position
Gavin reviews how income moves through the business, what documentation is available and how different lenders may interpret the same position. This creates a more informed starting point before a lender or product is selected.
Business Structure
Business and entity structure, including how personal income is drawn.
Financial Information
Consistency, recency and quality of financial information.
Income Treatment
Potential lender-accepted income adjustments, where applicable.
Capacity & Equity
Existing liabilities, deposit or equity position and repayment capacity.
Lender Policy
Lender policy, documentation requirements and servicing treatment.
Future Objectives
Purchase timeframe, property plans and future borrowing objectives.
The Appropriate Pathway Depends on the Evidence Available
The right lending pathway depends on the strength, recency and type of income evidence available.
Gavin reviews the documentation first, then identifies whether a full-documentation, alternative-documentation or preparation-first approach is the best fit.
Full Documentation Lending
Where tax returns, financial statements and supporting records establish the income required for assessment.
Alternative Documentation Lending
Where suitable and available, selected lenders may accept other forms of income evidence. Eligibility, pricing and policy vary by lender.
Plan Before Applying
If the current position is not ready for submission, Gavin can identify the gaps and map the practical steps required before an application is made.
From Business Position to Lender-Ready Application
Gavin reviews how income moves through the business, what documentation is available and how different lenders may interpret the same position.
This creates a more informed starting point before a lender or product is selected.
1
Start With
The Objective
Discuss the property, loan purpose, timing and business context.
2
Assess the
Financial Position
Review the structure, income evidence, liabilities, equity and lender considerations.
3
Select and
Prepare
Identify a suitable lender pathway and prepare the application around its policy and evidence requirements.
4
Manage the
Application
Coordinate communication, documentation and lender follow-up through to an outcome and settlement.
Measured by outcomes, not just approvals
Years of Residential/Home Loan Experience
Business/Commercial Experience
Number of Lenders
Customers Assisted Over the Years
A broker who understands business as well as lending
Gavin Lobo founded Avantage Finance after more than a decade in corporate finance and banking. He works with business owners whose circumstances need more than a standard product comparison. Gavin translates the financial position into a lender-ready application, coordinates the process and provides direct guidance from the initial assessment through to settlement.
From Business Position to Lender-Ready Application
Find clear answers to common questions about self-employed home loans, income documentation, lender requirements and what to expect before making an application.
What documents may be required?
Requirements depend on the lender and documentation pathway. Common items may include personal and business tax returns, notices of assessment, financial statements, BAS, business bank statements, liability statements and entity details. Gavin will confirm what is relevant after reviewing the scenario.
Do I always need two full years of financials?
Not necessarily. Lender policy differs, and some lenders may consider a shorter trading history or alternative evidence in specific circumstances. The available options, pricing and eligibility depend on the full position.
What is an alternative-documentation home loan?
It is a lending pathway that may use selected forms of income evidence when standard financial documents are not available or do not tell the full story. It is not suitable for every borrower and remains subject to lender criteria and assessment.
Can Avantage help with a purchase, refinance or equity release?
Yes. The first step is to define the purpose, assess the current position and determine which lending pathway may be appropriate.
Does submitting this form affect my credit file?
Submitting an enquiry is not a loan application. Gavin will explain the next steps and advise before any formal application or credit check is undertaken.
Solutions that work. Relationships that last.
We’re focused on more than just the transaction — delivering the right outcome and becoming a trusted partner our clients can rely on as they grow.
I have used Gavin Lobo’s services to secure my second investment property. I have dealt with Gavin. Gavin is really an approachable professional and he helped me a lot along the way and provided different options to choose the best loan. Happy to recommend to use their services.
M Guner
I found Gavin (and Colin) to be not only expert in their knowledge and advice, but also highly accessible and approachable. Being able to get hold of them easily and be given great advice made this process efficient, easy and low stress. I’d happily recommend Finance My Home to anyone. Thanks again
Andrew Kikeros
We have had a great experience with Gavin and Colin. We look forward to adding to our portfolio and continuing to work together.
On The Verandah Creative Adventures
Gavin was so proactive and professional with our home loan. We would be recommending to our family and friends for sure
Brenda Aung
Excellent, professional, honest advice and service. Very transparent throughout the whole process. They got me a way better deal than I could get from my own bank event though I was a 25 year customer with them!….. HIGHLY RECOMENDED!!
Mark Jewell
Gavin Lobo is a dedicated professional committed to making your loan acquisition process as seamless and efficient as possible. I highly recommend Gavin Lobo for any of your mortgage needs and will definitely be using his services again. Trust in Gavin to guide you home!