Your wealth isn't simple.
Your lending shouldn't be either.
Sequel structures lending around how you actually hold wealth — trusts, companies, multiple entities and complex income — not a standard PAYG checklist.
Whether it's a family trust, a business structure, or income from multiple sources, we present it so lenders actually understand it.
The more complex your wealth,
the more it gets misread.
Standard bank checklists aren't built for trusts, multiple entities, or income that doesn't arrive as a payslip. That's exactly where we specialise.
Trust and company structures
Lenders often default to treating trust income as too complex to assess properly. We present it the way it needs to be read.
Multiple income sources
Dividends, distributions, rental income and salary together can confuse a standard servicing calculator. We know which lenders actually add it all up correctly.
Privacy and discretion
Some situations call for a lower profile. We work with private banking channels where that matters.
Multiple entities, one picture
Borrowing across several companies or trusts needs a broker who can see the whole structure, not just one entity at a time.
"A generalist broker sees a complicated file and slows down. We see a normal Tuesday."
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.
Yes, though the assessment is different from personal lending. We'll walk you through what a lender needs to see and structure it properly from the start.
Not with the right lender. Dividends, distributions, and rental income can all be assessed together, but not every lender does it well. We know which ones do.
Yes, where it suits your situation — for larger or more complex lending needs, or where discretion matters.
That's common, and it doesn't have to work against you. We present your position in a way lenders can actually assess.
As discreet as you need it to be. We handle sensitive financial situations regularly and can work through private channels where appropriate.
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.
