Self-employed
- Problem
- Declined by major bank — income deemed too variable.
- What we did
- Restructured income presentation, placed with alternative lender.
Outcome — Approved
Australian Mortgage Brokers
You were declined by the bank. That does not mean no.
You need the right structure, not another application. We assess your borrowing capacity and map a clear path to approval.
- Complex income assessed correctly
- Low deposit options explained
- Access to niche lenders
- Clear lending strategy
The reality
Why deals get declined
Banks assess income differently
Each lender treats salary, bonuses, and self-employed income on their own terms.
Debt-to-income ratios exceed policy
Existing liabilities can quietly push your serviceability outside lender appetite.
Structure does not align with lender rules
Ownership, trusts, and security choices change which lenders can say yes.
Credit story not explained correctly
A clean narrative around past credit events often unlocks the right lender.
You are not the problem. The structure is.
The approach
How Beyond Norm solves this
Step 01
Assess your full financial position
Income, liabilities, assets, and goals. Nothing skipped.
Step 02
Calculate true borrowing capacity
Real numbers across multiple lenders, not a single estimate.
Step 03
Structure for lender policy
Application built to match the specific lender's appetite.
Step 04
Match you with the right lender
From the major banks to specialist and niche providers.
In plain English
Debt-to-Income (DTI)
Your total debt compared to your annual income. Most lenders watch this closely. A high DTI does not always mean no — it means we need a lender whose policy fits you.
Borrowing capacity
What you can actually borrow
Calculated from how each lender views your income, expenses, and existing debts. Two lenders can give very different answers for the same borrower.
Case studies
Real outcomes
From declined or stuck — to settlement.
First home buyer
- Problem
- Only 5% deposit, concerned about LMI cost.
- What we did
- Used a strategy to reduce LMI impact and strengthen the file.
Outcome — Approved
Examples are illustrative. Lending is subject to lender approval and individual circumstances.
Free · No obligation
Your Borrowing Power Assessment
A real assessment of your scenario across multiple lenders — built around your income, structure, and goals.
- Know what you can borrow
- Understand your DTI position
- Get a clear lending pathway
- Response within 24 hours
The process
How this works
- 01
Submit your details
Share your scenario in minutes.
- 02
We assess your scenario
Income, structure, lender appetite reviewed.
- 03
You receive a clear strategy
A practical plan with numbers and next steps.
- 04
We proceed with the right lender
Application built and lodged with the right fit.
The pathway
From enquiry to keys
Traffic
Step 01
Assessment
Step 02
Strategy
Step 03
Approval
Step 04
Settlement
Step 05
A clear fit
Who this is for
- You have been declined by a bank
- You are self-employed or contracting
- You own multiple investment properties
- You are unsure what you can actually borrow
- You have a low deposit and need a strategy
- You want equity optimised across your portfolio
Meet the broker
Experience matters
Norm Roberts has spent years on both sides of lending. Beyond Norm Finance was built for borrowers the system overlooks — and every deal is structured to fit the right lender.
Banking & lending background
Years inside the systems that decide who gets approved — and why.
Credit structuring expertise
Ownership, trusts, security, and serviceability mapped to lender policy.
Focus on complex scenarios
Self-employed, investors, low deposit, declined files — this is the work.
Begin
Know your borrowing position before you apply.
One assessment can change the answer. Start yours today.