Q: Self-employed refinance options when you have unpaid ATO debt

Having ATO debt doesn’t mean you’re locked out of refinancing your home loan. In fact, many self-employed borrowers carry tax debt due to business timing or cash flow. The key is knowing how to structure your application the right way.

At Flexdoc, we work with lenders who understand that tax debt is part of business — not a deal breaker. We can help you refinance your loan, even if you have a payment plan in place or outstanding debt, provided you meet other criteria.

The most important factor is transparency and a clear explanation of your financials. We help you prepare this and position your case so it’s lender-friendly. In some cases, we can even help you consolidate the ATO debt into your refinance, improving your cash flow.

If you’re self-employed and have ATO debt, speak to Flexdoc. We’ll explain your options clearly and help you make your next move with confidence.