A self-employed clinical psychologist wanted to clear an outstanding tax debt quickly and take the pressure off their cash flow. The obstacle wasn’t affordability — it was finding a lender willing to help at all.
Many lenders simply won’t allow tax debt to be repaid through residential lending. That policy stance, more than any number on the file, was what kept the door shut — leaving the debt to sit there, dragging on cash flow and adding stress.
The problem wasn’t the client’s position. It was which lenders would say yes.
Knowing who says yes
We knew which lenders take a different view, identified one whose policy settings allowed it, and structured a refinance that folded the tax debt into the home loan — turning a pressing, awkward liability into part of a single, manageable repayment.
The debt was repaid immediately, cash flow improved, and a real source of stress was gone — a straightforward outcome most lenders would have called impossible.