You built the income. Now make it work harder.

Flexdoc is a property 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.

Larger home loans need more than a good income. Banks look closely at structure, liquidity, business income and how the whole position fits together. We know which lenders are comfortable with larger residential loans and how to present complex income properly.

This is for you if:

• You are buying or refinancing a higher-value home.
• Your income comes from a business, trust or company.
• Your borrowing needs do not fit standard bank policy.

Property investors need finance that works beyond the first deal. We look at the whole portfolio, how lenders assess your income and existing debt, and where your borrowing capacity is best placed. The aim is not just to fund the next property, but to structure the lending properly for what comes after it.

Your existing lender is not always your best lender. We refinance residential loans where better pricing, borrowing capacity or structure exists, and arrange bridging finance when you need to buy before selling.

Whether you are restructuring an existing portfolio, releasing equity or moving between properties, we find the lender and structure that fits the transaction.