ato-tax-debt

ATO Tax Debt? We Can Help.

Specialist Finance Solutions for Individuals and Business Owners with Tax Debt

Owing money to the ATO can be overwhelming — but you don’t have to face it alone. Whether you’re an individual with overdue income tax or a business owner behind on BAS, PAYG or GST, we specialise in finding real finance solutions to help you move forward.

At Mortgage Base Finance, we work with everyday Australians and self-employed clients who are struggling with ATO tax debt. Banks may say no — but we know which lenders will say yes, and how to structure your application for the best possible result.

What Happens if You Ignore ATO Debt?

ATO tax debt doesn’t go away — and ignoring it can have serious consequences:

• Debt Recovery Action: The ATO may initiate garnishee orders, director penalty notices (DPNs), or wind-up proceedings for companies.

• Default Listings: The ATO can now report your debt to credit reporting agencies, impacting your credit score and ability to borrow.

• Business Restrictions: You may be locked out of trade finance, insurance, or government contracts.

• Compounding Interest & Penalties: The longer you leave it, the more expensive it becomes.

The sooner you act, the more options you’ll have — and that’s where we come in.

How We Help Clients with ATO Tax Debt

We’re not here to judge. We’re here to help you get back on track. Here's what we do:

✅ Access Non-Bank and Specialist Lenders
Most major banks won’t lend if you have an outstanding ATO debt. But we work with lenders who understand that business is unpredictable — and offer tailored loans to help pay out tax debt, refinance existing loans, and restructure your cash flow.

✅ Equity Solutions for Homeowners
If you own property, we can look at options to refinance and release equity to pay out your ATO debt in full — often at lower rates than an ATO payment plan.

✅ Cash Flow Lending for Business Owners
We can secure short-term business loans or second mortgages to resolve your tax position quickly, with flexible repayment terms.

✅ Fast Turnaround
ATO matters are time-sensitive. We act quickly to prevent escalation and preserve your financial position.

Our Process

1. Free, Confidential Consultation – We listen to your situation and assess the most viable lending paths.

2. Credit Strategy & Documentation – We help you prepare strong, honest applications that address lender concerns upfront.

3. Lender Matchmaking – We match you with the right lenders based on your profile and available security (property or business).

4. Settlement & ATO Payout – Once approved, we coordinate the payout of your tax debt directly with the ATO to ensure everything is finalised.

5. Ongoing Support – We stay in touch post-settlement to help you with budgeting, refinancing, and future lending needs.

Why Choose Mortgage Base Finance?

Because we don’t just push forms — we fight for the right outcome.

• Over a decade of experience in complex credit scenarios

• Access to specialist and private lenders across Australia

• Boutique, personal service without the bank runaround

• Fast, strategic solutions when time and credit matter most

Struggling with ATO Tax Debt? Let’s Talk.

You’ve got options — and we’re here to help you find the right one. Whether it’s a short-term fix or a long-term restructure, we’ll guide you with clarity and confidence.

👉 Book a Free Tax Debt Finance Assessment