Running a business makes everything in life more complex — including getting a loan. Your income comes from multiple sources, your assets sit in multiple entities, and the bank's standard process isn't built for you. Blambles accounting background means he genuinely understands your world.
Business owners face a unique combination of finance challenges that PAYG employees simply don't encounter. Your income structure — whether it's a combination of director salary and dividends, trust distributions, company profit or sole trader income — doesn't fit neatly into the standard application form. Banks are trained for simplicity; your situation requires genuine understanding.
Then there's the question of what you're buying and in what structure. A business owner who wants to buy a home is one scenario. A business owner who wants to purchase their commercial premises — possibly through their SMSF or a company or trust — is an entirely different and more complex one. And a business owner with multiple properties, a growing portfolio and a mix of residential and commercial debt needs a broker who can think strategically across the whole picture, not just transactionally.
Blambles spent two decades in accounting and finance — at firms including Deloitte, CBRE and Ferrier Hodgson — before founding Blambles Finance Group. He has read thousands of sets of business financials, understands the interplay between company structures, trusts and superannuation, and knows how lenders assess complex income. When you talk to Blambles about your business finances, you're talking to someone who already understands the landscape — not someone who needs it explained.
Business owners are among Blambles' most important clients — partly because they have the most complex needs, and partly because getting those needs addressed correctly makes the biggest difference. Whether you're buying your first home, expanding your commercial property holdings, setting up an SMSF to hold your business premises or simply refinancing an outdated home loan, Blambles can help.
Buying your business premises — through a company, trust or personally — with access to mainstream and specialist commercial lenders.
Learn more →Purchase your business premises inside your SMSF — including the related-party purchase strategy for business owners. Blambles understands LRBA structures in detail.
Learn more →Getting a home loan as a business owner — assessed on your actual income, not just the number on your tax return. Blambles knows how to present your financials correctly.
Learn more →Borrowing through a family or discretionary trust — Blambles understands trust structures and knows which lenders genuinely work with them.
Learn more →If your financials are complex or don't fully reflect your current income, lo doc lending through a specialist lender may be the right approach.
Learn more →Blambles founded Blambles Finance Group because he saw a clear gap in the market: business owners with complex finances being poorly served by standard mortgage processes. He brings two decades of accounting and finance expertise to every client conversation — which means he can engage with your business financials at the level they deserve, not just look at your tax return and say "the income isn't high enough."
With access to 40+ lenders — including specialist non-bank lenders who actively seek business owner clients — Blambles can identify the lenders who will genuinely assess your situation properly. He works alongside your accountant and financial advisors to ensure the loan is structured correctly for your entity and your goals — not just for the transaction.
There is no cost to you for the broker service. Business owners have enough demands on their time — Blambles manages the entire finance process so you can focus on what you do best.
Yes — purchasing commercial premises through your company or a related entity is common for business owners. The loan is assessed primarily on the company's trading income and the property's value. Many business owners also use their SMSF to purchase commercial premises and lease it back to their business — an LRBA structure that Blambles has extensive experience with. The right structure depends on your tax advice, asset protection goals and long-term plans.
Yes — but the right lender and the right income presentation matter significantly. Lenders can add back certain non-cash deductions (depreciation, amortisation) to increase your assessed income. Some lenders assess company profit rather than just director salary. Others use BAS or bank statements for lo doc lending. Blambles identifies the income presentation and lender combination that gives you the strongest assessed borrowing capacity without overstating your position.
This is a question for your accountant and financial advisor — the right structure depends on asset protection goals, tax outcomes, succession planning and your overall financial position. Blambles works within whatever structure your accountant recommends, finding lenders who will lend to that entity type. He also ensures the loan is structured in a way that doesn't create financing complications later (e.g., avoiding unnecessary cross-collateralisation between personal and business assets).
Absolutely — your home or investment loan doesn't need to be with the same bank as your business banking. In fact, separating your business banking from your personal home loan is often a good practice: it reduces the lender's overall exposure to you and keeps your personal financial life independent of any changes in your business banking relationship. Blambles helps you structure loans in a way that keeps things clean and separated.
Free consultation, no obligation. Blambles will take the time to understand your business structure and tell you what's possible — across residential, commercial and SMSF lending.