Self-Employed Property Investors. Your Tax Strategy Shouldn't Be Costing You Your Next Deal.
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.
Self-Employed From 12 Months ABN? You Still Qualify: Sole trader, company director, or trust structure: if you have 12+ months of trading history, we have lenders who won't cap your borrowing at a number your accountant worked hard to minimise. BAS statements, add-backs, and alt-doc pathways are all on the table.
29 Years Across Mortgages, Commercial, and Business Finance: Most residential brokers see your tax return and read it at face value. Michelle has spent 29 years across self-employed mortgages, commercial lending, vehicle, and equipment finance, which means she already understands how your income is structured before she opens your file. She knows where the add-backs are, how lenders will read your structure, and exactly which specialist will approve it. That depth is rare. A residential-only broker doesn't have it.
our Credit Score Stays Protected From Day One: We identify the right lender for your exact income structure before we submit a single thing. No shotgunned applications, no unnecessary hard inquiries, no marks on your file from lenders who were never going to say yes.
Check Your SMSF Borrowing Capacity
Trusted by SMSF 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 30+ 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
Michelle is amazing. She really does get the job done. From start to finish we had no worries or stress. She kept us informed every step of the way and made the whole process a breeze. We highly recommend her and she will be handling all of our financial needs going forward.
AF
Alda and Paul
Verified Clients
Dealing with Michelle is an absolute pleasure, and that's an understatement. I barely had to lift a finger. She made everything so seamless and easy. I would recommend her without hesitation.
CP
Chris Pace
Verified Client
I highly recommend Michelle at Luxe Wealth Advisory. She truly goes out of her way to help and give you the right advice. I have experienced this firsthand and say with full confidence there is no one better.
RL
Rangeeta Lal
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
Brooke
Verified Client
Cannot recommend Michelle highly enough. From our home loan, she was the best person I have ever dealt with. She goes above and beyond. I have never had a better experience with anyone handling our needs. Going through the banks on our own was the worst experience, but Michelle was professional and actually knows what she's doing. Strongly recommend.
TJ
Tiger Joe
Verified Client
Your Self-Employed Investor Specialist
Meet Michelle Ivanov
I spent 29 years in finance: mortgages, commercial lending, vehicle, and equipment finance, before building Luxe Wealth Advisory specifically for self-employed 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.
Most brokers only know residential. 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.
29 Years Across Lending and Finance: Mortgages, commercial, vehicle, and equipment finance. I've assessed complex income structures from every direction.
$100M+ 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.
