Hi all, I started a company in September 2017 and currently myself and my wife manage everything. In the early days we didn't pay ourselves much, but our business has grown year on year. Starting July 1st 2019 we increased our wages to a point where we earn over $50K more per year (combined) than in previous years, yet our broker is saying that the current financial year cannot be assessed because it is not complete. I feel if we are only assessed on the early years it's not a true reflection of our current income and will have a massive impact on our borrowing power (we want to borrow approx $550K and those early figures are too low for that). For example, our gross taxable income history: 2017/2018 = $68K combined 2018/2019 = $84K combined 2019/2020 = $69K combined so far (6 Months only) on track for $138K end of financial year. Will lenders take anything into consideration for this financial year? Or should I wait until July 1st so our figures are stronger? Thanks!