LumoraFINANCE Get a second opinion
For the self-employed, and anyone the bank turned down

Bank said no, or not yet? Get a second opinion.

Find out which lenders will actually look at your file, from someone who spent nearly 10 years inside a big four bank.

  • The brokerTony Yu. Joined CommBank in 2016 and worked up to home lending executive.
  • Who it's forSelf-employed, trusts, companies, SMSF, and business property
  • The first stepA free 20-minute call. Answer a few questions to book it.
Tony's
photo
From Tony Yu, Lumora Finance

See if a second opinion can help

Three quick steps. It takes about a minute.

What's happening right now?

Pick the one that fits best.

How do you earn your income?

What's the loan for?

Roughly how much do you need to borrow?

Any credit issues, like defaults or missed repayments?

Answer each question so Tony can look at it properly.

Where should Tony call you?

Add your first name, a mobile number and an email.

Your details go to Tony only. No obligation.

Thanks, you're booked in.

Tony will look over your answers and call you for your free 20-minute second opinion.

While you wait, read the free Self-Employed Borrowers Playbook

Sample page: on the live page your answers go straight into Tony's CRM and he gets a notification.

Thanks for being upfront.

Serious credit problems aren't what Tony specialises in, so he may not be the right fit for this one. Rather than waste your time, here's his free playbook instead.

Get the free playbook
Why good borrowers get knocked back

You earn good money. The bank still can't see it.

A bank can only lend inside its own policy. If your income doesn't fit the way that one bank reads it, the answer is no, or not yet. Sound familiar?

  • 01You're self-employed and your tax return doesn't tell the whole story
  • 02You pay yourself through a company or a trust
  • 03You're buying through your super fund, your trust or your company
  • 04You want to buy the warehouse or premises your business runs from

"When I was in the bank, there's only a certain policy we can go with. But now as a broker, there's always a solution."Tony Yu, Lumora Finance

A self-employed electrician checking his phone at the back of his van
One bank vs a broker who worked inside one

The bank gave you its answer. It isn't the only answer.

Tony spent nearly 10 years on the other side of the desk. Now he works for you, not for one lender.

Going back to your bank

One lender, one rulebook

  • Your file is assessed against one bank's policy
  • If it doesn't fit, you hear "no" or "not yet"
  • You're left guessing what to do next
A second opinion from Tony

Ex-big four bank lender, now working for you

  • He knows how a bank looks at a file, because he did it
  • He looks at which lenders will actually consider yours
  • You get a clear next step on a free 20-minute call
Who this is for

Built for complex loans, not cookie-cutter ones

This is for you if

  • You're self-employed: a sole trader, company director or paid through a trust
  • Your bank said no, or told you to come back later
  • You're buying property through your super fund, trust or company
  • You're a business owner buying premises, like a warehouse
  • You want someone who's sat inside a big four bank on your side

It's probably not for you if

  • You have serious credit problems. That isn't what Tony specialises in.
How Tony can help

Three ways to start

A self-employed couple going through their paperwork
01 · Second opinion

Bank said no or not yet?

Find out which lenders actually look at your file, from someone who spent nearly 10 years inside a big four bank.

Get a second opinion
A business owner looking around an empty warehouse
02 · SMSF, trust & business property

Buying through your super, trust or company?

Get the lender lined up before you sign anything. That's really important.

Talk to Tony first
A loan application on a home office desk
03 · Free playbook

Not ready to talk yet?

Read the Self-Employed Borrowers Playbook first: full doc, low doc, ABN, GST, trusts and companies.

Get the free playbook
Tony's photo goes here
Meet your broker

From inside the bank to on your side

Tony Yu runs Lumora Finance. Most of his clients come from word of mouth and referrals. The deals he likes most are the complex ones.

  • 2016: joins CommBankHe joined to learn, not just to earn, and worked his way up to home lending executive.
  • Nearly 10 years in a big four bankHome loans are his main strength. He's been writing them for six to seven years.
  • About a year and a half ago: Lumora FinanceHe stepped out of his comfort zone to start his own brokerage, with more lenders to choose from and more time for his family.
Home loansSelf-managed super fundsBusiness and commercial loansBuying through a trustAsset financePersonal loans
How it works

From "no" to a clear next step

01

Answer a few questions

About a minute. It tells Tony what he's looking at before he calls.

02

Free 20-minute call

Tony goes through your situation and what the bank told you.

03

The lenders that fit

He works out which lenders will actually look at your file.

04

You decide

If it makes sense, Tony handles the application. If not, you've lost nothing.

Book my free 20-minute call
FREE PLAYBOOK

The Self-Employed Borrowers Playbook

Full doc, low doc, ABN, GST, trusts and companies.

Tony Yu · Lumora Finance
Not ready to talk yet?

Read the playbook first

Written for business owners who want to understand how lenders see them before they apply.

  1. Why self-employed borrowers get knocked back
  2. Full doc vs alt doc (low doc) loans
  3. Your ABN and GST registration
  4. Borrowing through a trust or a company

Sample page: on the live page the playbook is emailed straight away and you're added to Tony's CRM.

Accountants and referral partners

Got clients the bank keeps turning down?

If you're an accountant or adviser with self-employed clients, SMSF clients or business owners who need a loan, Tony would like to talk about working together.

Talk to Tony about referrals
Questions

Before you book

My bank already said no. Is it worth asking again?

One bank's answer is one bank's policy. Tony used to work inside a big four bank, so he knows how that decision gets made. As a broker he isn't stuck with one lender's rules, so the call is about finding the lenders that will actually look at your file.

What does the second opinion cost?

The 20-minute call is free, and there's no obligation to go ahead.

I'm buying through my super fund, trust or company. When should I call?

Before you sign anything. Get the lender lined up first, then sign.

Do you help with bad credit?

Not a lot. Tony specialises in complex loans for people who earn good money but don't fit one bank's box, like the self-employed. If your credit has serious problems, he'll tell you straight.

Is it only home loans?

Home loans are Tony's main strength. He also does business and commercial loans, self-managed super fund lending, asset finance and personal loans.

Why do you ask so many questions up front?

So the call is useful. Tony reads your answers first, which means the 20 minutes are spent on your options, not on filling in forms.

Your second opinion

The bank gave you its answer. Get a second one.

Answer a few questions and book a free 20-minute call with Tony.

Get a second opinion
Bank said no?Get a second opinion