Complex Income, calm strategy

We understand how your income works and present it clearly to lenders to achieve the right outcome.

Self-Employed, Layered Income, Trusts or Companies Involved… we love complicated.

Running a business, managing multiple income streams, or operating through trusts and company structures can make lending feel more difficult than it should be.

If your income doesn’t come in a neat little payslip box, you’re not alone.

At Indigo Finance, we specialise in structuring loans for complex scenarios. We understand business financials, retained profits, trust distributions, and layered entities and we know how to present your story clearly to lenders.

WHAT complicated OFTEN MEANS

Self-employed or business owner

Retained earnings inside a business

Income varies year to year

Recently changed industries or structures

Paid via trusts or company structures

Commission, bonus, or contract income

Multiple entities involved

Tax minimisation affecting taxable income

You know your business is strong, the challenge is helping the lender see that too.

WHY AN Indigo Lending Specialist MATTERS

Not all lenders assess self-employed or complex income the same way. Policy differences can dramatically change your borrowing capacity.

Going directly to a bank often means their interpretation of your financials is final.

At Indigo Finance, we:

Compare over 60 lenders
Understand policy nuances
Structure applications strategically
Work closely with your accountant if required
Position your income correctly from the start

We don’t just submit documents, we tell the full financial story behind them. And there’s no cost to you; we’re paid by the lender you choose.

THE PROCESS OF complex lending

Complex lending requires clarity and preparation. Here’s how we approach it:

Step 1

Financial Review

Step 1

Financial Review

We analyse tax returns, financial statements, trust structures, and income streams to understand your true position.

Step 2

Policy Matching

Step 2

Policy Matching

We identify lenders whose policies align with your income type and structure.

Step 3

Strategic Structuring

Step 3

Strategic Structuring

We determine how best to present income, manage liabilities, and optimise borrowing capacity.

Step 4

Application & Negotiation

Step 4

Application & Negotiation

We package your deal carefully and liaise with lenders to address questions proactively.

Step 5

Approval & Settlement

Step 5

Approval & Settlement

We guide you through formal approval and settlement, ensuring the structure supports your long-term plans.

HOW MUCH can I borrow?

Borrowing capacity for self-employed clients depends on:

Length of ABN registration
Consistency of income
Business profitability
Add-backs and allowable adjustments
Existing debts and commitments
Trust or company distributions

Some lenders require two years of financials, others may consider one. Some assess retained profits, others don’t.

The difference can be significant.

BUYING, REFINANCING OR investing

Whether you’re:

Purchasing your first home
Upgrading or downsizing
Building a property portfolio
Refinancing to improve structure
Buying commercial property

The right lender choice matters even more in complex scenarios.

Test out our calculators

Explore what may be possible:

Borrowing Capacity Calculator
Loan Repayment Calculator
Interest Only Mortgage Calculator
Stamp Duty Calculator

We’ll help you interpret the numbers based on your structure.

Frequently asked questions

Will dealing with Indigo Finance cost me money?

No. We’re paid by the lender you choose, so there is no cost to you for our advice.

Do I need two years of tax returns?

Often yes, but some lenders will consider one year depending on your circumstances.

Can retained profits inside my company be used?

Some lenders will assess retained earnings – others won’t. Policy selection is critical.

What if my income dropped last year?

We assess trends and may be able to use the stronger year or normalised income depending on lender policy.

Can I refinance if I’m self-employed?

Yes — provided servicing and structure align with lender criteria.

Complex doesn't mean impossible.

Strong businesses, layered income, and structured wealth often require more strategy, not less opportunity.

With the right lender and correct presentation, complex scenarios can achieve excellent outcomes.

Book a Discovery Call with an Indigo Lending Adviser and let’s structure this properly from the start.