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What is a complex lending broker?

A complex lending broker specialises in loan scenarios that do not fit a lender's standard automated or streamlined assessment — self-employed income, company and trust structures, non-standard income sources, ATO debt, previous declines, mixed residential and commercial needs, or SMSF borrowing. The focus is on understanding lender policy and matching the borrower's scenario to the right lender, rather than comparing rates alone.

How is complex lending different from a standard mortgage broker?

A standard broker may focus on rate comparison and streamlined PAYG applications. A complex lending broker goes deeper — reviewing income structure, entity structure, tax position, documentation availability and lender policy nuances to find a pathway for borrowers whose situation does not fit the standard box. The process is more analytical and scenario-driven.

Can a complex lending broker help if I have been declined?

Yes. A decline from one lender does not always mean you cannot borrow — different lenders apply different policies to the same scenario. A complex lending broker can review what may have caused the decline and whether another lender could assess it differently. This does not guarantee approval, but it can identify a viable pathway that the first lender did not offer.

Does it cost more to use a complex lending broker?

Obtain Finance is a free broker service — we are paid by the lender on settlement, not by you. Complex scenarios may take more time and expertise, but the cost to you is the same as a standard loan. We are transparent about how we are paid and any lender fees that may apply.

Do you only help borrowers in Sydney?

Obtain Finance is based in Sydney, NSW, and we help borrowers across Australia. Many lender policies are national, and the complex lending scenarios we work with — self-employed income, company and trust structures, ATO debt — are not location-specific. We can assist borrowers in NSW, VIC, QLD, WA, SA, TAS, ACT and NT.

Complex lending broker · Sydney & Australia

Finance when your situation is not simple

Obtain Finance is a specialist complex lending broker for borrowers who do not fit the bank's standard box. We help self-employed Australians, business owners, company directors, trust beneficiaries, property investors and borrowers with non-standard income or difficult finance scenarios find the right lending pathway.

Check My Loan Scenario

Tell us about your situation. We'll help you understand what lenders may need and which pathway may suit.

General information only — not personal financial advice. Subject to lender criteria. Disclaimer.

What is complex lending?

Complex lending is not a product — it is an approach. It describes loan scenarios that do not fit neatly into a lender's standard or streamlined assessment. This includes borrowers whose income is self-employed, comes through a company or trust, includes distributions or retained earnings, is documented via low doc or alt doc, is affected by an ATO debt or payment plan, or has already been declined by another lender.

For these borrowers, a rate comparison is not enough. The right question is whether the lender's policy actually fits the scenario — and if not, which lender's policy does.

Who we help

Self-employed borrowers (sole traders, contractors)

Company directors and small business owners

Trust beneficiaries and trustees

Property investors with complex structures

Borrowers with low doc or alt doc income

Borrowers with an ATO debt or payment plan

Borrowers previously declined by a bank

Borrowers with mixed residential and commercial needs

SMSF trustees considering property investment

Borrowers with non-standard income sources

Our approach

We do not promise approval — no responsible broker can. What we do is understand what lenders may need, match your scenario to the right lender policy, and help you structure the application properly. We use language like "find the right lending pathway", "structure the application properly", "understand what lenders may need", and "work through non-standard scenarios" — because that is what complex lending actually involves.

Scenario-first, not rate-first

Lender policy matching, not volume lending

Full income structure review

Transparent about what may or may not work

No approval promises — honest assessment

Independent legal and tax advice recommended

Complex lending services

Self-Employed Home Loans Low Doc / Alt Doc Loans Home Loans for Company Directors Trust & Company Income Home Loans Refinance for Self-Employed Borrowers Loans With ATO Debt or Payment Plans Commercial Property Loans SMSF Property Loans Business Acquisition Finance Bank Declined? Review My Decline

Frequently asked questions

Is your situation not simple?

Tell us about your scenario — we'll help you understand what lenders may need and which lending pathway may suit.

General information only. This page does not provide legal, tax, financial or credit advice. It is not a loan approval, pre-approval, quote, recommendation or offer of credit. Borrowing capacity, loan suitability and approval are subject to full assessment, lender credit criteria, verification of your information, responsible lending obligations, property valuation and product availability. Obtain Finance does not compare every lender or product in the market. Eligibility for government grants, concessions and schemes depends on current government rules and your circumstances — always confirm eligibility with Revenue NSW or an appropriate professional.

Michael Short is a Credit Representative (468493) of an Australian Credit Licence holder (ACL 389328).