Complex Home Loan Specialists Australia
WRA Mortgage Brokers is an Australia-wide brokerage specialising in complex home loans — for self-employed and business borrowers, company and trust structures, low-doc applicants, temporary visa holders, credit impairments, ATO debt and non-standard income. We say yes when standard banks say no.
Frequently Asked Questions
What is a complex home loan?
A complex home loan is one where the borrower's income, structure, credit history or residency doesn't fit a standard bank's simple full-doc, PAYG, owner-occupied box. That includes self-employed and business income, company and trust borrowers, low-doc applications, temporary visa holders, paid defaults, ATO debt, non-standard employment and multi-entity investment portfolios.
Can I get a home loan with company or trust income?
Yes. Some lenders will assess borrowing using company income, trust distributions and director income rather than just personal tax returns. How each lender treats retained profits, trust distributions and beneficiary income varies, so the right lender choice depends on your structure. WRA reviews your entities and matches you to lenders whose policy fits.
Can a company or trust be the borrower?
Yes. Certain lenders accept a company or trust as the borrowing entity for property finance, including for investment purposes. This generally requires the right documentation (trust deeds, company financials, director guarantees) and a lender whose policy supports the structure.
Can I get a home loan with low documentation (low-doc)?
Yes. Low-doc home loans are available where full financials aren't ready or don't tell the full story. Lenders may accept BAS statements, an accountant's letter or 12 months of business bank statements. Low-doc lending typically has a higher minimum deposit (often 10–20%) and the maximum LVR varies by lender.
Can I get a home loan on a temporary visa?
Yes, in many cases. A number of lenders will lend to temporary visa holders (including skilled and employer-sponsored visas) with a suitable deposit and income. Permanent residency isn't always required. Policy and deposit requirements differ by visa type, so WRA confirms lender eligibility up front.
Can I get a home loan with paid defaults or credit issues?
Yes, often. Some lenders accept paid defaults up to around $1,000 without a detailed explanation, and specialist/non-bank lenders can consider larger or more recent credit impairments. The interest rate and deposit required may be higher than a clean-credit application.
Can I use a home loan to pay down ATO debt?
Paying down ATO debt is commonly an acceptable purpose for cash-out from a refinance, provided the lender's policy allows it and serviceability supports the new loan. WRA structures the refinance so the ATO debt is cleared as part of settlement where the lender permits it.
What if a bank already declined my home loan?
A decline from one bank does not mean you can't get a home loan. Different lenders assess income, credit and structure differently. WRA reviews the reason for decline, identifies lenders whose policy suits your situation, and may use specialist or non-bank lenders where appropriate.
How does WRA assess a complex application?
WRA starts with a full assessment of your income, entities, credit and goals, then matches your scenario to lenders whose policy genuinely fits — rather than submitting to a bank and hoping. We confirm likely policy, deposit and serviceability up front so you know where you stand before applying.
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WRA Mortgage Brokers — operated by We Are Available Pty Ltd. Based in Melbourne, servicing clients across Australia.