Business owners, contractors, and self-employed professionals deserve expert lending solutions. We understand your unique financial situation and work with lenders who do too.
Self-employed experts
Multiple income methods
Streamlined process
40+ lender options
Traditional lenders often struggle to assess self-employed applications, leading to frustrating declines or lower borrowing capacity than you deserve.
We specialize in self-employed lending and work with lenders who understand business income, cash flow, and the unique financial situations of contractors, business owners, and self-employed professionals.
Access to lenders who specialize in self-employed lending
Multiple income assessment methods to maximize borrowing
Low-doc and Alt-doc options where appropriate
Expert guidance on presenting your application
Lenders in our panel with competitive self-employed policies
Self-employed clients helped secure finance
Get the borrowing power you deserve based on your true income
We help all types of self-employed professionals and business owners
Freelancers, consultants, and independent contractors operating as sole traders. We assess your income using 1-2 years of tax returns and business activity statements.
Directors of private companies with business income, dividends, and director's fees. We understand how to maximize your assessable income.
Partners in professional or business partnerships. We assess your share of partnership income and distributions.
Income from family trusts, unit trusts, or discretionary trusts. We work with lenders who understand trust structures.
Independent contractors with ABN income including IT contractors, tradies, consultants, and professional services.
Doctors, dentists, specialists, lawyers, and other professionals in private practice or earning professional income.
Different methods to maximize your borrowing capacity
Standard assessment using 2 years of tax returns and financial statements. Best rates available.
Alternative documentation for those with less than 2 years in business or complex structures.
Some lenders assess gross business income with standard deductions, increasing borrowing capacity.
For high-net-worth individuals with significant assets but complex income structures.
Typical documentation for self-employed home loan applications
Don't worry if you don't have everything. We'll guide you through exactly what you need based on your specific situation and the lender we choose.
Book a free consultation to discuss your situation and explore the best financing options for your business structure.