Skip the paperwork marathon. We already know your financials, your entities, and your goals. That means faster approvals and a loan that actually fits your structure.
What is accounting-integrated home lending? National Accounts Lending provides home loans for self-employed borrowers, business owners, and trust structures in Adelaide and across Australia. As chartered accountants and licensed credit advisers, we use financials we already prepare to achieve pre-approvals in as little as 48 hours, with tax-aligned structuring across a panel of 70+ lenders.
Traditional brokers treat self-employed borrowers like a compliance headache. You end up chasing documents you’ve already given your accountant, explaining your trust structure for the third time, and waiting weeks for an answer.
Brokers ask for financials your accountant already has. You waste days gathering the same tax returns, P&Ls, and balance sheets.
Standard brokers take 3 to 4 weeks just for pre-approval. Every clarification adds another round of emails and delays.
Trust income, company distributions, related party loans. Most brokers do not understand how self-employed income actually works.
We are not a broker bolted onto an accounting firm. We are an accounting firm that lends, because we already have everything the banks ask for.
Your accountant’s data feeds straight into the lending process. No re-uploading financials or explaining your entity structure from scratch.
Every loan is structured with your tax position in mind. The entity that borrows, the deduction timing, and the interest allocation all get considered upfront.
Because we skip the documentation chase, pre-approval comes in as little as 48 hours instead of the typical 3 to 4 weeks.
Your accountant and broker sit at the same table. No information falling between cracks. No conflicting advice about which entity should hold the property.
Access to 70+ lenders means we match the right product to your structure, not the other way around.
Maximise government grants and stamp duty concessions. We model the numbers before you start looking.
We benchmark your current rate against the panel, assess break costs, and model the net savings before you commit.
Trust distributions, company dividends, contractor earnings. We package your income the way lenders need to see it.
Your accountant already did the hard part. We streamline the lending process so you can focus on what matters.
15 minutes. We assess fit and outline your options immediately.
We work from the financials your accountant already has. No chasing documents.
2 to 3 options matched to your entity, tax position, and goals.
We manage the process through settlement and keep lending aligned as you grow.
Answers for self-employed borrowers and business owners.
Yes. Many lenders accept trust distributions and company dividends as assessable income. The key is packaging the application correctly, showing consistency across two or more financial years, and ensuring the entity structure supports serviceability. Because we prepare your financials, we already know how to present your income in the format lenders require.
For existing National Accounts clients, pre-approval can be turned around in as little as 48 hours. We already hold your financials, so there is no document chase. For new clients, allow 5 to 7 business days depending on the complexity of your structure.
No. While existing clients benefit from faster turnaround because we already hold their financial data, National Accounts Lending is open to all borrowers. The process simply takes a little longer for new clients as we need to collect and review your financials.
This depends on your goals, including asset protection, tax efficiency, and future planning. A common mistake is choosing an entity for lending convenience without considering the CGT, land tax, and stamp duty implications. Because we are both your accountant and your broker, we give you structuring advice and lending advice in the same conversation.
No. The initial 15-minute consultation is free. We assess your situation, outline your options, and let you decide if you want to proceed. There is no obligation and no pressure.
Yes. National Accounts Lending is based in Adelaide and works with self-employed borrowers across Australia. Whether you are a sole trader, operate through a company or trust, or earn income from multiple entities, we have lenders on our panel who specialise in self-employed applications. Our Adelaide office at 70 Hindmarsh Square means local clients can meet face-to-face, while interstate clients are supported entirely online.
A low doc home loan allows borrowers to verify income using alternative documentation such as BAS statements, bank statements, or an accountant’s letter instead of full tax returns. We have access to lenders who offer low doc and alt doc options. However, because we are your accountant, we can often package a full doc application using financials we already hold, which typically secures better rates and higher borrowing capacity than a low doc alternative.
Trust income can be used for refinancing, but lenders assess it differently. Most require two years of consistent distributions and may scrutinise your trust deed and distribution minutes. The advantage of working with us is that we prepare your trust financials and distribution resolutions, so we can present a clear income history and explain your structure to the lender upfront, avoiding the common delays that occur when a separate broker has to interpret trust accounting.
National Accounts Lending is the finance broking division of National Accounts, a chartered accounting firm (CA ANZ) based at Level 2, 70 Hindmarsh Square, Adelaide SA 5000. We hold an Australian Credit Licence and are Xero Platinum Champion Partners.
The lending division is led by Michael Wilczynski CA, a chartered accountant and certified property valuer. Our team combines accounting, tax, and lending expertise to deliver structuring advice that traditional brokers cannot provide.
We service clients across Australia from our Adelaide office, with all consultations available online or by phone. Our lender panel includes 70+ lenders with no geographic restrictions.
