30 June 2026

Key Takeaways Many accountants who have recently started their own practice, or whose business had a standout most recent year, run into the same wall: most lenders want two years of financials, and only one is available or only one tells the real story. With variable rates around the 6% mark and serviceability tested above […]

Key Takeaways For a self-employed accountant, add-backs are often the difference between a borrowing capacity that reflects your tax return and one that reflects your real earnings. The deductions you legitimately claim to reduce taxable income also reduce the figure a lender assesses, but many of those deductions are not genuine ongoing cash costs, and

Key Takeaways Accountants who run a company often leave profit in the business rather than paying it all out, a sensible move when the corporate tax rate sits below their personal marginal rate. The catch comes at home loan time: if that retained profit never reaches you as salary or dividends, will a lender count