You built the income. Make it build something back.

Flexdoc is a finance broker for people whose money doesn't fit a bank's template. Self-employed. Business owners. Borrowing through trusts and companies. Income that's real but complicated.

We work with complexity every day and we know which lenders say yes when the big banks stall. We find the right lender, structure the deal, and run it to settlement.

You hold property in structures for good reasons. Most lenders treat those same structures as a problem. We treat them as normal. We know which lenders lend cleanly to trusts and companies, how they assess the entity, and how to keep your borrowing power intact across the group.

This is for you if:

• You own or buy property through a trust or company.
• Your structure has made past applications slow or painful.
• You are building a portfolio and want it funded properly.

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Banks are tightening. The first people they drop are self-employed investors with real income that does not fit the template. That is exactly who we are built for. We read the full picture, add-backs and all, and take it to lenders who lend on the business you actually run.

The rules around SMSF lending have changed, and lenders have moved with them. If your fund already holds a residential SMSF property loan, the rate and terms you signed up for may no longer be competitive. We review your existing SMSF finance and refinance it where a better option exists.

We can also assist you with your commercial SMSF property purchase or refinance, with competitive terms from a range of lenders.

We arrange finance only. We do not give superannuation, tax, or legal advice. Speak to your accountant or adviser about your fund.