Broker Sense beta · free until 1 Feb 2027

Which lender fits?
Ask Broker Sense.

Stop losing hours to policy PDFs and BDM call-backs. Broker Sense turns your AI into an experienced business partner that you can discuss and strategise your deals with: it finds the lenders that fit and can help prep your BDM call using its dedicated industry knowledge base.

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Self-employed 14 months, 80% LVR, VIC. Which lenders fit?

Bendigo BankFitsonly under one year's trading is outFact sheet · 27 Oct

MacquarieFits ifa self-employed professional: 1 year, else 2Credit guidelines · 27 Oct

INGOutneeds 24 months' tradingBroker portal guide · 27 Oct

Ready to send: BDM questionsFile noteClient update

How it works for you.

For instance, here's how Broker Sense could help with a self-employed client, from first meeting to a year after settlement.

Sense will essentially scale your team.

Fact-find
The meeting turned into the client's needs in their own words, what's missing, what to flag, and the documents to ask for.
Here's the transcript from today's meeting: what's missing?
Fact-find · today's meeting
- Goal: buy a home to live in, VIC
- Deposit: 20% saved
- Latest tax return and notice of assessment: ask the client
- This year's BAS: ask the client
- Trading 14 months: under two years narrows the lenders
Lender strategy
Which lenders will take the deal, the rule that decides it, and what to ask the BDM. Every line sourced and dated.
Self-employed 14 months, 80% LVR, VIC. Which lenders fit?
Deal plan
Complex and commercial deals: what credit will focus on, and the plan and questions for the BDM call.
Plan my call with the Macquarie BDM.
Deal plan · self-employed 14 months · 80% LVR

What credit will focus on
- Income on one year's financials, not two
- Time in the industry before the business began
- This year's trading so far, from the BAS
Ask the Macquarie BDM
1. Does the client count as a self-employed professional?
2. Will you assess on the latest year's return alone?
3. Is 80% LVR within your cap for one-year professionals?
BID file note
The file note in your template, with the cost difference from Broker Sense, and nothing you didn't say.
Here are my notes. Write the BID file note.
BID file note · draft

Client's objectives. Buy a home to live in with a 20% deposit, on a variable rate with [features].
Why this lender. It accepts one year of self-employed trading where others need two, and the cost difference over [years] is in the comparison attached.
Other options. Bank of Melbourne was set aside: it needs two full financial years of trading. [Others considered].

Anything you didn't say stays in [brackets] for you.
Client care
Your book working for you: who to call this week and why, with the emails and repricing requests drafted.
Here's this month's CRM export. Anything in it worth a call?
This week's calls · from your CRM export
- Self-employed client: two years' returns now lodgedReview
- Paying above the lender's new-customer rateReprice
- Fixed rate ends in 6 weeksCall
With the emails and repricing requests drafted.

Fact-find · today's meeting

Goal: buy a home to live in, VIC
Deposit: 20% saved
Latest tax return and notice of assessment: ask the client
This year's BAS: ask the client
Trading 14 months: under two years narrows the lenders

Self-employed 14 months · 80% LVR · VIC

Bendigo BankFitsonly under one year's trading is outFact sheet · 27 Oct

MacquarieFits ifa self-employed professional: 1 year, else 2Credit guidelines · 27 Oct

St.GeorgeCredit exceptionunder two years is case by caseSelf-employed page · 27 Oct

INGOutneeds 24 months' tradingBroker portal guide · 27 Oct

Deal plan · self-employed 14 months · 80% LVR

What credit will focus on

Income on one year's financials, not two
Time in the industry before the business began
This year's trading so far, from the BAS

Ask the Macquarie BDM

Does the client count as a self-employed professional?
Will you assess on the latest year's return alone?
Is 80% LVR within your cap for one-year professionals?

BID file note · draft

Client's objectives. Buy a home to live in with a 20% deposit, on a variable rate with [features].

Why this lender. It accepts one year of self-employed trading where others need two, and the cost difference over [years] is in the comparison attached.

Other options. Bank of Melbourne was set aside: it needs two full financial years of trading. [Others considered].

Anything you didn't say stays in [brackets] for you.

This week's calls · from your CRM export

Self-employed client: two years' returns now lodgedReview
Paying above the lender's new-customer rateReprice
Fixed rate ends in 6 weeksCall

With the emails and repricing requests drafted.

Also on call: contracts and research, a compliance guide for NCCP and best interests, and a marketing advisor that stays within the advertising rules.

Every answer shows its source.

Each lender rule shows the lender's own document and its date. If Broker Sense can't confirm something, it says so and tells you what to ask the BDM.

1
The lender's own documentIts public documents, or its broker-portal guide in Sense's words. Not a blog, and not the model's memory.
2
When it was last confirmedPublic documents are re-checked daily, so a policy change shows up fast. A portal guide carries its own date.
3
Says when it isn't clear-cutCase by case or not published: never passed off as policy. It tells you what to ask the BDM.
4
Bands, never namesScenarios go in bands. Your clients' details stay in your own AI.

4Self-employed · 12–18 months · 70–80% LVR · VIC

Macquarie Fits if

One year's trading for self-employed professionals; two years for everyone else.

“Self-employed - at least 2 years trading in the current business. For self-employed professionals, require a minimum of 1 year trading in their current business.”

1Macquarie broker credit guidelines 2Confirmed 27 Oct 2026

3St.George Credit exception

Under two years' trading is case by case, so Broker Sense says to take it to the BDM.

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Which lender fits?Ask Broker Sense.

How it works for you.

Fact-find

Lender strategy

Deal plan

BID file note

Client care

Every answer shows its source.

Join in the beta.Keep half price, forever.

Half price, forever.

Start with your next deal.

Which lender fits?
Ask Broker Sense.

Join in the beta.
Keep half price, forever.