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Patrick, Thank you, exactly what I was after. As a matter of interest, which side of the fence are you looking from: are you in lending or in self-employemnt (or both?) I also found that superannuation payments are added back. Say cheese :p Lotana

Could anybody produce a complete list of add-backs used by lenders to calculate borrowing capacity of a self-employed person (through a company structure). I know they include wages, director fees, and bonuses paid to the principal, as well as profit left in the company and depreciation claimed...