Yes. While major retail banks frequently decline applications involving tax liabilities, specialist lenders allow self-employed homeowners to consolidate ATO debt directly into their mortgage, provided there is sufficient equity in the property.

Traditional banks often do, but specialized non-bank lenders actively cater to business owners in this exact position. They feature dedicated self-employed policies built to clear tax debts and stabilize business cash flow.

You do not always need fully lodged tax returns. Depending on your setup, specialist refinancing options allow for "alt-doc" (alternative documentation) income verification using recent BAS statements, business bank statements, or a letter from your accountant.

ATO payment plans carry strict short-term schedules and high General Interest Charges (GIC). Rolling that liability into a home loan spreads the debt over a longer term at a lower interest rate, significantly cutting your immediate monthly cash outgoings.

No. An initial assessment with a broker is completely confidential and requires no hard credit checks or communication with the tax office. Your details remain fully private.

Ideally, your total combined debt—your existing mortgage plus the ATO debt and any credit cards or loans—should remain under 80% of your home's current market valuation to avoid excessive fees.

Stax Home Loans are licensed Australian Mortgage Brokers (Australian Credit Licence 389898) specialising in complex self-employed finance and debt restructuring as well as standard retail home loans.

The initial scenario assessment and feasibility review are completely free with zero obligation. If a specialist broker fee applies to your scenario, it is disclosed transparently before any application is submitted.

From your initial phone call to final settlement, the process typically takes 3 to 4 weeks depending how long it takes to get your documents together. If the ATO is pressing for urgent payment or threatening legal action, we can often request urgent valuations and expedited underwriting to secure a formal approval letter, which usually buys immediate breathing room with the tax office.

No, you won't need to manage the money transfer. On settlement day, your new lender pays off your existing mortgage directly and sends the remaining cash portion straight to the ATO via BPAY using your Payment Slip Reference Number. You receive official confirmation once your ATO portal balance hits zero.

Step 1 (Discovery): A short phone call to review your property value, current mortgage balance, and ATO debt figure.

Step 2 (Info & Document Collection): You provide your info & documents required for us to complete no obligation free assessment—think ID's, statements, tax returns, recent BAS statements, an accountant’s letter—so we can verify your income and options.

Step 3 (Strategy & Options): We calculate your exact borrowing capacity, match you with a specialist lender, and present your projected repayments, fees, and rates.

Step 4 (Valuation & Approval): We order a property valuation and submit the application for formal lender approval.

Step 5 (Settlement & Relief): The new lender pays off your existing mortgage and the ATO directly via BPAY, consolidating everything into a single lower monthly repayment.

Specialist rates are slightly higher than prime retail bank rates, but they are dramatically lower than the ATO’s General Interest Charge (GIC), high-interest credit cards, or short-term business loans. Most business owners find that the massive reduction in required monthly outgoings far outweighs the slight interest variance.

ATO payment plans force heavy, short-term monthly repayments—often over 12 to 24 months—which severely chokes your operating cash flow. Refinancing spreads that liability over a longer loan term, drastically reducing your monthly overhead so you can reinvest in running your business.

It is usually not too late, provided you act quickly. Specialist lenders offer expedited underwriting for urgent cases, and presenting the ATO with a formal loan approval letter shows active proof of resolution, which frequently pauses enforcement action while settlement takes place.

This is extremely common. You can use the equity in your residential property to clear corporate tax liabilities by structuring the payout as a director's loan or clearing intercompany accounts—a standard setup that specialist lenders and accountants handle routinely.

No. A specialist lender is often used as a 12-to-24-month bridge. Once your tax debt is cleared, your ATO portal shows a clean zero balance, and you have a solid track record of on-time mortgage repayments, we can refinance you back to a standard major bank at prime market rates.