next year you take in 90k. Now in terms of dollars, it's still a reasonable amount, but bank credit teams can get very scared of seeing downward trajectories. With a good accountant and a mortgage broker, this can be do-able in the right circumstances, which in many scenarios the solution is to declare more income. Add-backs, depreciation, these will all help your serviceability also. But there are also some good things! There are products which can roll business loans (read high interest rates!) into loans at residential rates, which can be potential several percent cheaper per year. Likewise, with a clear plan from the outset of your lending plans alongside your business plans, you can compliment both your private and business needs (buy the house of your dreams, whilst pump needed capital into your business to expand!). I may be rambling, but I find that this is an area that entrepreneurs are really letting themselves down in too often. I'd rather see people achieving their goals, than post-pone them due to external factors.. We have this problem at the moment. Husband went part-time in March so I could work full-time in my business. Of course, this means that my income for 2011/12 wasn't as much as it will be this year (since the majority of it I was working part-time) and his last two pay slips (which the bank look at) are down as he is now working less hours. I was actually pretty angry with the bank over it