Solutions
Income Optimisation
Banks need 6-12 months of income history. We bridge the gap while your financials reach bank-grade requirements.
The Problem
Your income is strong but hasn't been established long enough for banks. New job, new business, or recent income change means waiting 6-12 months.
- Banks require 6-24 months income history
- New employment or self-employment
- Recent business structure changes
The Solution
BankReady provides bridging finance while your income history builds. Once bank-ready, you refinance to your bank at standard rates.
- Proceed with property purchase now
- Term aligned to your optimisation timeline
- Clear pathway to bank refinance
Common Scenarios
New Self-Employment
Started a business or went contractor? Banks want 2 years of tax returns. We bridge while you build that history.
Recent Job Change
Higher paying new role but need 6 months payslips? We bridge the gap until your income is established.
Business Structure Change
Restructured from sole trader to company? Banks see this as a new entity. We bridge until continuity is proven.
Commission-Based Income
Banks average commission over 2 years. New to the role? We bridge while you build your track record.
Don't wait for income to reach bank-grade
Check if your deal qualifies for income optimisation bridge finance in under 2 minutes.