Banks treat self-employed income differently — and most applicants don't know how to present it. Jagdip spent years inside a major NZ bank and knows exactly what lenders look for. She gets self-employed clients approved every week.
Jagdip works with contractors, sole traders, directors and business owners across all industries every week.
If you earn via contract or freelance work, Jagdip knows which lenders accept contract income and how to present your returns to maximise borrowing power.
Running your own business? Jagdip uses your financial statements and tax returns to build the strongest possible application.
Drawing salary plus dividends? Jagdip knows how to present company income correctly so lenders assess your full earning capacity.
Rental income, foreign income, or multiple income sources? Jagdip packages complex income scenarios in a way lenders can approve quickly.
Only been trading 1–2 years? Some lenders work with shorter histories. Jagdip knows which ones and how to structure the application.
A decline from one bank doesn't mean no from everyone. Jagdip has access to non-bank lenders who are more flexible on self-employed income.
Depreciation, vehicle expenses, and other non-cash business costs can often be added back to your income — increasing your borrowing power. Jagdip knows how to maximise your income assessment within lender guidelines.
Book a free chat with Jagdip. She'll review your income, identify the right lenders, and tell you exactly what's possible.