SELF-EMPLOYED FINANCE
You built a business. That should count for you, not against you.
Home loans, refinancing, business funding and vehicle finance for sole traders, company directors, contractors and freelancers — with the documentation strategy handled properly.
SIX QUICK QUESTIONS
Check your self-employed options.
No credit check, no obligation.
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THE PROBLEM, NAMED
Why the bank said "computer says no".
Standard lending is built on payslips: same employer, same amount, every fortnight. Self-employed income doesn't behave like that — and a good year can even look bad on paper after your accountant does exactly what you pay them to do. So banks apply the most conservative reading, and strong businesses get knocked back on paperwork, not on capacity. The fix usually isn't a different you. It's a different lender, a different documentation path, or a different presentation of the same numbers.
PATHWAYS
Four ways to prove your income. We'll pick the strongest.
Full-doc
Two years of returns, strong and steady? You'll compete for the same sharp rates as any PAYG borrower.
Alt-doc
Solid business, but the returns don't tell the current story? BAS, business bank statements or an accountant's letter can carry the application.
Recent ABN
Trading under two years? Fewer lenders, but real options — timing and structure decide it.
Structure-aware
Company, trust, partnership, retained profits, add-backs — we present the numbers the way lender credit teams actually read them.
WHAT WE FINANCE
The whole picture, one broker.
HOW IT WORKS
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 map your documentation position
Which evidence you have, which pathway it unlocks, and which lenders read it best.
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.
FAQ