Self-Employed Borrowers
Your business is working hard, and your finance should reflect that. We work with lenders who understand self-employed income and prepare a clear, complete application that shows your full financial picture.
Our Services
Your income, shown properly
Running your own business shouldn’t make borrowing harder. Lenders read self-employed income in very different ways, and the right one sees what a standard bank policy misses.
We match you with lenders whose policies fit how you’re paid, whether that’s full doc with your tax returns or low doc with alternative income evidence. Less chasing, fewer surprises, and more time back for your business.
How we help
You run the business. We find the lenders who see it for what it’s worth.
Sole traders and contractors
Your income counted the way you actually earn it.
Company directors
Lenders who look at your salary, dividends and business profit together, not just your payslip.
Newer businesses
Only been trading a short while? Some lenders will still consider you, and we know which ones.
Low doc loans
Tax returns not lodged yet? Low doc loans let you show your income with alternatives like BAS statements or business bank statements.
Straightforward applications
You know exactly which documents each lender needs upfront, so your application goes in once, complete.
Buying, refinancing or investing
Whatever your next move is, the lending fits the way you work.
Better to know
Low doc and specialist loans can open doors, but they usually come with a higher rate. We show you full doc and low doc options side by side, and if waiting until your next tax return would get you a better deal, we’ll tell you.
Frequently asked questions
What documents will I need?
Usually tax returns and business financials for a full doc loan. We give you a checklist based on how your business is set up, so you only gather what’s needed.
What is a low doc loan?
A loan for self-employed borrowers who can’t yet show full tax returns. Instead, lenders accept other evidence of income, like BAS statements, business bank statements or a letter from your accountant. Rates are usually higher, so we compare it against your other options.
I haven’t been in business long. Can I still apply?
Often, yes. Lender policies vary, and we’ll point you to the ones that suit where your business is at.