SPECIALISTS IN SELF-EMPLOYED FINANCE
Finance built for real life. And real business.
Home loans, refinancing, business loans and vehicle finance — with specialist solutions for self-employed Australians.
Takes about two minutes. No credit check, no obligation.
What are you looking to do?
Start where you are. We'll handle the rest.
Refinance my home
See what your current rate is really costing you.
I'm self-employed
Lending built for how you actually earn.
Finance a vehicle
Cars, utes and trucks, personal or business.
Fund my business
Working capital to full expansion.
Buy a property
First home, next home or upgrade.
Buy commercial property
Premises for your business or investment.
THE ROYAL SPECIALITY
Banks read payslips. We read businesses.
Royal Mortgage Group solves finance for people whose lives don't fit inside a bank application form. If you're a sole trader, company director, contractor or freelancer, you've probably felt it — the standard checklist wasn't written for you. We work with lenders who assess self-employed income properly: tax returns, BAS, bank statements or an accountant's letter. Different documentation paths, matched to your situation — not forced through one rigid template.
Check My Self-Employed OptionsTWO MINUTES, FIVE QUESTIONS
Not sure where to start? Start here.
Answer five quick questions and we'll point you at the right kind of finance — and a specialist follows up personally.
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REFINANCE CHECK
What's staying put costing you?
Three numbers. One honest estimate.
Broking, done properly.
Built around you
We start with how you earn and what you're trying to do — then find the lender. Never the reverse.
The whole market view
One conversation covers home, business, property and vehicle finance. No hand-offs, no repeating yourself.
Straight answers
If a deal doesn't stack up, we'll tell you — and tell you what would need to change.
Paid by lenders, working for you
Our service typically costs you nothing — lenders pay us a commission, which we disclose up front. And we're bound by a best interests duty to you, not to any bank.
One application. lenders.
Major banks, non-bank lenders and specialist self-employed lenders — compared on your numbers, not their advertising.
From first chat to funded.
Tell us what you're after
Two minutes online, or a call if you'd rather talk it through.
We assess your position
Income, structure, goals — and which documentation path presents you strongest.
We compare and recommend
Options from our panel, explained in plain English, with the trade-offs spelled out.
We run it to settlement
Application, valuation, approval, settlement — we drive it and keep you posted.
REAL SITUATIONS
Finance that didn't fit the form.
Self-Employed Home Loans
The electrician the bank couldn’t read
A sole trader with one full year of returns, approved on an alt-doc pathway two banks wouldn’t consider.
Refinance / Self-Employed
Directors paying themselves “wrong”
Two company directors, declined by their own bank, refinanced once their profits were assessed properly.
Business Finance
The café that needed six weeks of breathing room
A second café site funded fast, with a working-capital facility and equipment finance working together.
Representative scenarios. Details and figures are illustrative and are not a promise of any outcome. Every application is assessed on its own merits.
All case studiesWHO YOU’LL DEAL WITH
Meet your finance team.
Brokers who ask about your business before your paperwork.
Fair questions.
Let's find out what's possible.
Two minutes online. A real assessment, not a sales pitch.