Will ATO debt stop you getting a loan?

Complimentary guide — real approaches self-employed business owners are using to clear ATO debt and get their cashflow back.

Written by Elena Fensom, Broker at Babo Finance, who works with self-employed clients on exactly this every week.

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General information only, not a recommendation. No spam, just the guide and, if it's relevant, a follow-up from our team.

If any of this sounds familiar, you're exactly who this guide is for.

You've got ATO debt and assumed refinancing was off the table
Your income doesn't fit a standard bank's box
A bank or broker has already said no
You just want one manageable repayment instead of juggling several

What's actually in the guide

Not generic tips. Three specific approaches, in order, with an exit plan built in from the start.

Using equity to pay out ATO debt in full

How refinancing against home equity can clear the debt in one step, extending the term to ease short-term cashflow while the ATO debt is fully cleared, not carried alongside everything else.

Speeding it up with an offset account

Once cashflow eases, how directing freed-up funds into an offset account can shorten the real payoff time without changing the loan term itself.

Credit-impaired? There's still a path, with an exit plan

Why a short-term higher rate can still beat the ATO's general interest charge, and how to plan the refinance out to a mainstream lender once your position improves.

$100M+

Settled across 225 clients in the last three years — specialising in self-employed borrowers with complex income, trust structures, and ATO debt.

Get the guide, then talk it through if it's useful

The guide is complimentary and general. If you want to know what applies to your situation specifically, book a no-obligation chat once you've had a read.