Bank said no?
That's not a closed door
— it's just the wrong door.
Sequel works with first home buyers, refinancers and investors to build robust property and lending strategies that change lives — yours and your family's.
Whether you're self‑employed, back from maternity leave, carrying a default or two, or managing ATO debt, we work with you through the sea of no's to get the yes you need.
You're not a bad risk.
You're just a file most brokers stop reading.
Every one of these is a normal, everyday reason your finances look different on paper. None of them should be the end of the conversation.
Self‑employed
Your BAS says one thing and your accountant's minimised your tax the way they're supposed to. Most lenders read that as risk instead of what it actually is.
Back from a career break
Maternity or parental leave, time off to care for someone, a stretch between contracts. The gap on your payslip isn't the whole story — but it's all most lenders see.
Defaults & arrears
One rough patch, a missed payment, a mark on your file — and suddenly every application starts with you apologising before you've even asked the question.
ATO debt
You're on a payment plan and keeping up with it. The bank's system sees "debt to the government" and stops reading right there.
"You didn't do anything wrong. Your file is just more complicated than a form can explain — and complicated files need someone who reads past the first page."
We take the files other brokers pass on — and everything in between.
Complex file or straightforward one — refinance, investment, first home or the harder cases — every application gets the same rigour, which means we know exactly which of our 40+ lenders will actually say yes.
Specialist, not generalist
Self‑employed, defaults, ATO debt and career breaks are every day for us — right alongside refinances, investment loans and first home buyers.
Strategy before paperwork
We map your full picture and tell you what's realistic before a single form goes near a lender.
40+ lender panel
Including specialist and non‑bank lenders who price your file properly instead of by a checkbox.
A straight answer, fast
You'll know what's actually possible before you hand over a single document — no runaround.
Meet Adam,
Lending Director.
Adam started Sequel after a career as a professional athlete, where income never looked like a regular payslip and contracts changed year to year. Being taken seriously by a bank meant something different when your file didn't look like everyone else's.
He's been self-employed since 2017 and knows firsthand what it's like to run a business, carry a mortgage, and still not fit neatly into a lender's checklist. These days he's a husband and dad to two boys — and he built Sequel to be the broker he wishes he'd had: someone who reads the whole picture before deciding what's possible.
"I've sat on the other side of the desk, explaining my own file to a lender. I built Sequel so no one has to explain themselves twice."
Four steps to a straight answer.
No paperwork to start, no credit check, no judgement about how you got here.
Tell us your situation
A two-minute form about your income and your goal. Completely private, no credit check.
Get a straight answer
A specialist calls you back and walks through what's realistically possible for your file.
We build the case
The right lender, the right documents, presented properly the first time — not the tenth.
Approved, not just applied
One plan, one lender who fits your file, and someone who stays on it until it settles.
See your numbers before you talk to anyone.
The Sequel Check is a free 60-second pre-check — built for exactly these scenarios. Answer a few questions and get an instant read on your borrowing power.
What the check gives you
An instant, honest read — not a generic checklist.
- An estimated borrowing power, calculated on the spot
- A straight fit rating — strong, workable, or needs a closer look
- Built for self-employed, defaults, ATO debt and career-break files
- No credit check, zero cost, zero obligation
Illustrative example — your result will be based on what you tell us.
Takes about 60 seconds. Indicative estimate only — not a credit approval.
You're probably wondering.
Most of the people we help have been told no at least once. That's exactly why they come to us. A bank reads your file through one narrow lens, and a lot of generalist brokers stop reading after the first knockback too. We work with 40+ lenders, including specialists who price for the full picture — credit history, ATO debt and late payments included. Tell us what happened and we'll give you a straight read on what's actually possible.
In most cases, yes. We work with self-employed applicants every week, and we know which lenders read BAS, notices of assessment and add-backs properly — and which ones don't bother trying. It's one of the most common files we handle, not an unusual one.
Often, yes — a lot depends on your return-to-work date, your role, and whether your income is stepping back up to full-time. Several lenders on our panel have specific policies for exactly this situation. We'll walk you through what they need to see.
No — this is one of the scenarios we handle most often. What matters is the size, age and story behind the default, and there are lenders who look past a single mark on an otherwise reasonable file. We'll be upfront with you about what's realistic either way.
Not automatically. Lenders care about whether the debt is on a payment plan and being paid down consistently. We regularly place ATO-debt files with lenders who assess this properly instead of declining on sight.
No. The form above is just information you share with us — nothing is pulled from a credit bureau. A formal credit check only happens later, once you've decided to move forward with a specific lender. Talking to us costs nothing and touches nothing on your file.
We call within 24 hours of receiving your details, or the next business day if you get in touch over the weekend. Prefer a set time? Let us know on the call and we'll lock one in.
Let's find out what's
actually possible.
Two minutes. No credit check. No judgement about how you got here — just a straight answer.
