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.

Banks like simple. A payslip, a PAYG job, a clean file. Most investors who've built real wealth don't look like that.

You might run a business. Draw income three different ways. Hold property in a few names already. To a bank's credit team, that's a problem. To us, it's Tuesday.

We broker investment property loans for self-employed borrowers, company directors and seasoned investors. We read full financials, not just two payslips. We know the lenders across our panel who lend on the strength of the whole picture, not a single ratio.

That means we match you to a competitive rate without forcing your situation into a box it doesn't fit. It means a broker who structures the deal around your portfolio, your tax position and your next move, not the move after that.

Building a property portfolio is complex. Financing it shouldn't be the hard part.

Many lenders go quiet the moment a trust deed or a corporate trustee appears. Some won't touch it. Others price it like a risk they don't understand. The deal stalls on paperwork, not on your ability to repay.

We do this constantly. We know which lenders on our panel are comfortable with discretionary trusts, unit trusts, company borrowers and layered structures — and which ones aren't worth your time.

We read the deed. We understand guarantor positions, who signs what, how the security sits. We package the deal so the lender's credit team sees something clean and lendable instead of a puzzle.

You structured it that way for good reasons. The finance should respect that, not fight it.

Already holding commercial property or an SMSF investment? The work isn't done at settlement. The loan you took three years ago is rarely the loan you should be sitting on now.

Rates move. Lender appetites shift. Equity builds quietly while your old facility stays the same.

We broker refinances on commercial and residential (refinance) SMSF property loans — to sharpen the rate, or move to a lender who actually fits where you are today. For SMSF arrangements already in place, your existing structure is protected, and refinancing it properly can free up room without disturbing what's working.

We assess the whole position first, then take it to the right lender. Sometimes the answer is refinance. Sometimes it's stay put. We'll tell you straight either way.

A loan you set and forgot is a loan quietly costing you. Worth a second look.