Hi all, we're looking at buying a house in the range of $2m to $2.5m. I have a $500k deposit (so 20%), but because I am self employed, and my accountant is very good, on paper my wife and I don't have the necessary income to support the loan. i've asked my accountant to ensure this year's financials show us earning more, and i'll be moving more money out of my company into our personal accounts, but this will therefore have us paying a large tax bill. even the bank manager I spoke to agreed, saying (and i'm paraphrasing) - yes, it makes good accounting sense to only pay yourselves the minimum you need, but I'm afraid the bank won't lend to you based on these financials. it goes to head office in Melbourne and all they look at is the numbers and on those tax records, you can't make the payments. sorry. what can I do? I don't want to be paying my wife and I extra for the next 18 months, just to make our personal tax returns look better. this will cost us both the 18 months and thousands in paye tax. any advice? i've gone to a few mortgage brokers, and they say the same thing. i need someone who thinks differently. thanks.