Self-Employed?
We've Got You.
Banks make it harder than it should be. We work with self-employed locals every week, and we know exactly which lenders welcome you.
Lenders Who Understand
Self-Employed Income
Sole trader, company, trust or partnership, every business structure is different. We pick lenders that look at your situation properly.
Low-Doc & Alt-Doc Options
Don't have two years of tax returns? We have lenders who accept BAS statements, accountant declarations or business bank statements.
Recent Self-Employment
If you've recently gone out on your own, we have lenders who'll consider as little as 6–12 months trading, not the standard 2 years.
Company & Trust Structures
We're across complex structures, trusts, companies, related-party leases. We'll match you to a lender who reads them properly.
Add-Backs & Deductions
We know how to argue for the right add-backs to your serviceable income, depreciation, one-off expenses, retained earnings.
How We Help Self-Employed Borrowers
We know your time matters. Here's how we get it done.
- Step 1
Tell Us About Your Business
Sole trader, company, trust? We'll need your structure, how long you've been trading, and the broad shape of your finances.
30 minute chat - Step 2
Document Strategy
Some lenders want full tax returns; others accept BAS or accountant declarations. We pick the right path for you and tell you exactly what to gather.
Same day - Step 3
Pre-Approval With the Right Lender
We lodge with a lender we know will read your numbers properly, not one that defaults to a no.
5–7 business days - Step 4
Find & Settle
Pre-approved and confident, you negotiate and settle. We coordinate everything with the lender end-to-end.
4–6 weeks - Step 5
Annual Reviews
Your business changes, and so should your loan. We review annually to make sure you're still on the right deal.
Ongoing
Frequently Asked Questions
Run Your Own Show? Let's Talk.
Book a free chat. We'll tell you exactly what's possible, based on your real numbers.