Home Lending
If your income doesn’t fit neatly on a payslip, mainstream assessment can undervalue what you actually earn. The difference between a decline and an approval is often just the right lender — and the right presentation.
Who this is for
Worth weighing
How Ascent helps
Your accounts presented the way lender credit teams actually read them — add-backs argued, one-offs explained.
Lenders differ enormously on self-employed policy. We match your income shape to the lender that suits it.
Alternative documentation options explained plainly — including what they cost — so you choose with open eyes.
The process
A no-obligation discussion about where you are and where you’re going — in person in Melbourne, or online.
Your full picture gathered once, options compared across the panel, and a clear plain-English proposal: the loan, the structure, the costs, and why.
We prepare, submit and manage the application, handle lender requests, and keep you informed at every stage.
Coordination through to settlement, then ongoing reviews so the loan keeps earning its place.
Lending is subject to eligibility, lender criteria and credit assessment.
Paperwork
Don’t worry if something’s missing — we’ll work through it together.
Questions
Some lenders will consider one year of financials, or alternative evidence such as BAS statements or an accountant’s declaration, subject to their policy and usually with conditions. It narrows the field — which makes choosing the right lender first even more important.
Alternative-documentation lending verifies income through means other than full tax returns — commonly BAS, business bank statements or an accountant’s declaration. It typically prices higher than full-doc lending, and we’ll always compare whether waiting for full documentation serves you better.
Information on this page is general in nature and does not take your objectives, financial situation or needs into account. Lending is subject to eligibility, lender criteria and credit assessment. Terms, conditions, fees and charges apply.
Enquire
Bring last year’s financials; we’ll do the reading.