Self-Employed Property Investors. Your Tax Strategy Shouldn't Be Costing You Your Next Property.
Your bank caps your borrowing at your taxable income. Michelle has spent 29 years across mortgages, commercial, and business finance learning exactly which specialist lenders don't, and how to structure each loan so your portfolio keeps growing.
Your Tax Return Isn't the Number Lenders Have to Use: Add-backs, BAS statements, and net profit before tax are all legitimate assessment pathways. The taxable income your accountant minimised can be rebuilt to what your business actually generates, and the right specialist lender will approve on exactly that.
Every Loan Structured So the Next One Stays Possible: Michelle selects lenders and structures each investment loan with your next acquisition already in mind, using interest-only options and cross-collateralisation management that keeps your borrowing capacity intact for deal two, three, and beyond.
Australia's Self-Employed Investment Specialist: 31 years across self-employed home loans, commercial, and business finance. $100M+ settled for borrowers whose tax returns didn't tell the full story. Michelle doesn't learn your income situation on your call - she already knows how it works.
Check Your Self Employed Borrowing Capacity
Trusted by Investors
Proven Results That Speak for Themselves
Settled for Self-Employed Borrowers
Years in Lending and Finance
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Free to You
Our Partners
Accredited to Compare 85+ Specialist Lenders
Our Solution
Tailored Investment Lending for Self-Employed Borrowers
The Process
Securing Your Investment Property Loan is This Simple
01
Claim Your Lending Session
Schedule a free, no-obligation call with Michelle at a time that suits you. She'll assess your income structure, identify the add-backs your bank is ignoring, and tell you exactly what your real borrowing capacity looks like, before a single lender is approached. You leave the call knowing what you can actually borrow, not what your bank quoted.
02
We Find the Right Lender Before We Apply
Michelle assesses your full income picture: add-backs, BAS statements, business structure, existing portfolio. She identifies exactly which specialist lender will approve your investment loan at the highest possible amount, before a single application is lodged. No guesswork, no credit damage, no wasted weeks. You have a clear lending strategy and the right lender confirmed. The path to your next property is mapped.
03
We Handle Everything Through to Settlement
Application prep, lender communication, updates at every milestone. Michelle manages your file personally from first call to settlement. You stay informed without touching a single piece of paperwork. You focus on finding the next property. We handle the banks. You get the keys.
5 Star Rated
by Our Self-Employed Investor Clients
Reviews
What Our Clients Say About Luxe Wealth Advisory
Investors who came to us with complex situations, and left with a clear path forward.
Michelle is an expert in her field. Her knowledge, experience, and ability to add value is second to none. Michelle assisted us with our mortgage and more recently secured a better, more competitive rate. A few conversations later, the deal was done. We will continue to use Michelle for all our property finance needs and have no hesitation recommending her.
MM
Menka Marziano
Verified Client
I was referred to Michelle a few years ago and have always trusted her with my finances ever since. She truly cares and moves heaven and earth to get things done. She always follows through, communicates, and never leaves a stone unturned. She is so nurturing, honest, and a genuine pleasure to deal with.
KL
Kara Leigh
Verified Client
My situation was difficult and Michelle was organised, professional, and always communicated clearly. She knows the industry inside out and it shows in her results. I have already recommended her to others with full confidence they will be as happy as I was.
EAG
Elisa Abbate Georges
Verified Client
Working with Michelle at Lux Wealth Advisory was a great experience from start to finish. She was professional, knowledgeable, and incredibly supportive throughout the entire loan process for my investment property. She took the time to explain everything clearly, answered all my questions promptly, and made what could have been a stressful process feel smooth and straightforward. Thanks to Michelle's expertise and dedication, my loan was successfully approved, and I felt confident every step of the way. Her communication was outstanding, and it was clear she genuinely cared about achieving the best possible outcome for me. I highly recommend Michelle and Lux Wealth Advisory to anyone looking for a trustworthy, honest, and experienced mortgage broker. I'm very thankful for all their support and would gladly work with them again in the future.
RN
Reuben Narayan
Verified Clients
I have used Michelle for all of our business and personal needs for over 2 years now with amazing service and success! Michelle is incredibly professional, honest and hard working for her clients, we were presented always with the best possible finance options for us and was always delivered on time and hassle free I would highly recommend her professional services to anyone
IR
Ian Rayner
Verified Client
We cannot speak highly enough of Michelle. From our very first conversation, she showed an incredible level of professionalism, expertise, and genuine care for our situation. What could have been a stressful and overwhelming process was made smooth, clear, and even enjoyable thanks to her guidance. Michelle took the time to truly understand our goals, explained every step in a way that was easy to follow, and always made us feel confident that we were in safe hands. Her communication was exceptional, keeping us informed and supported from start to finish. Most importantly, we always felt that our best interests came first. Massive thanks and gratitude!
B&M
Brooke and Matt
Verified Client
Michelle from Luxe Wealth Advisory has been absolutely amazing throughout the entire process. She made everything clear, stress-free, and always had our best interests at heart. Her professionalism, knowledge, and genuine care made such a difference. Highly recommend Michelle to anyone looking for a reliable and supportive finance broker!
AM
Amal El Masri
Verified Client
Your Self-Employed Investor Specialist
Meet Michelle Ivanov
I have spent 31 years in finance: mortgages, commercial lending, vehicle, and equipment finance, before building Luxe Wealth Advisory specialising in self-employed clients and property investors. In that time I've seen exactly how banks read complex business income, where they cap borrowing, and what it actually takes to get an investor with a minimised tax return approved at the number they deserve.
I've spent three decades understanding how business income is structured from every angle. When you sit down with me, you're not explaining your tax strategy to someone who's never seen it before. I already know how it works, and I know which lenders will look past it.
31 Years Across Lending and Finance: Mortgages, commercial, vehicle, and equipment finance. I've assessed complex income structures from every direction.
$300M+ Settled for Self-Employed Borrowers: A track record built on getting approved the clients other brokers called too complicated.
Self-Employed Investor Specialist: I structure each loan with your portfolio in mind, not just the deal in front of us, but the next one too.
FAQ
Frequently Asked Questions
Everything you need to know about securing an investment property loan as a self-employed borrower.
Can I qualify if my taxable income is low due to write-offs?
Yes. Banks assess your taxable income, but that's not the only pathway. Michelle uses legitimate add-backs: depreciation, equipment costs, distributions, and non-cash deductions, to rebuild your assessable income to what you actually earn. Many self-employed borrowers find their real borrowing capacity is significantly higher than what their bank quoted once add-backs are applied.
Will getting a quote affect my credit score?
No. Your initial strategy session and eligibility assessment involve no credit check whatsoever. Michelle identifies the right lender for your exact income structure before anything is lodged. When an application is submitted, it's to one lender, the right one, not a scatter approach that leaves multiple hard inquiries on your file.
How much does this cost?
Nothing. Michelle is paid by the lender at settlement, not by you. The strategy session, lender research, application management, and settlement coordination are all completely free. There is no fee for self-employed borrowers at any point in the process.
How long does approval take?
It depends on your income structure and documentation, but most self-employed investment loans move to pre-approval within 5-10 business days once your documents are in order. Michelle packages your application correctly from day one, which eliminates the back-and-forth that slows most complex files down.
Why not just go to my bank?
Your bank offers its own products under its own policies. If you're self-employed, those policies are written for salaried employees and they assess your income accordingly. Michelle accesses 30+ specialist and non-bank lenders, including those with alt-doc pathways, investor-friendly income shading, and add-back policies that major banks simply don't offer. More lenders means a better outcome for your specific structure.
