Because everyone deserves financial freedom
Self-Employed Loan Options
Find the loan solution that works for you (it's easier than you think)
Deal with a self-employed specialist
By having in-house self-employed specialists, we can easily work out which lender will be most suitable for you based on your personal and company financials. Every lender has vastly different policies when they look at self employed borrowers, and we know the ins and outs better than most.
We can work with your accountant to ensure that your numbers are right for you. We look after a bunch of different accounting firms because we get it. A lot of brokers are unable to understand self-employed borrowers because it’s too tricky – but this is one of our biggest specialties.
We work with:
- Companies and Trusts
- Corporate restructures
- Business purchases
No financials, no problem - we've got your back.
Lo-Doc lending still plays an important part in our lending landscape. Not all self-employed borrowers will have the luxury of providing up-to-date financials to the bank for their finance application. The lack of financials creates problems for a lot of lenders who don’t specialise in self-employed lending.
We have options for lo-doc lending using a range of alternative methods to verify your income. We can use any of the below documents in lieu of financials to ensure your financing needs aren’t ignored:
- BAS Statements
- Business Trader Statements
- Accountant’s income verification letter
This means that even if your financials aren’t completed for the most recent financial year, but you can show you are growing and your sales and profitability is there, we can still access funding for you so your goals aren’t held back by bank finance.
Yes... You can get finance from Rental income alone
Sometimes it doesn’t have to be all that complicated. We often see an investment property that can pay for itself just by the rental income it generates. This means that some banks will allow you to apply for a loan on that particular property using only the rental income to service the debt.
This is more commonly used when the property is held in a company name, and more often than not a commercial property.
This kind of lending saves you from having to show profit on your company financials, and we can simply lean on the lease agreement to service the proposed loan. You can use this kind of lending for:
- Equity release – getting cash out for business
- Purchases of commercial property
- Refinancing commercial property
If you have a property with a strong lease, and you need us to run the numbers for you, get in touch with our team and we’ll be happy to workshop it with you.
When you need cash for business, fast!
There are times when we need to access funding for non-traditional reasons. These are often related to business opportunities, or to complete some other commercial transaction like a property development. We use private funding to help our clients with things like:
- Development Finance
- Commercial Finance
- Working Capital
- Shortfalls in other projects
- Buying plant and equipment for your business
Self-Managed Superannuation Fund Lending
Self-managed super fund lending is very much still alive in Australia. People buy residential and commercial properties through their super every day. Borrowing money via Self-Managed Super Fund (SMSF) lending product is a brilliant way to leverage your superannuation to invest in direct property. Some people simply prefer to invest in bricks and mortar they can see, rather than shares or managed funds.
We specialise in the following asset classes:
- Off the plan
Are you ready to make buying, building or refinancing as
Home loans for the self-employed
Finding what's right for you
It’s time to compare apples with apples, it’s time to look at the right home loan products and categories suitable to your personal situation and needs. Whether you’re looking at buying a home, investing or considering a self-managed super fund, we’re here to help you.
We’ll work directly with your accountant to identify all the possibilities and will them come back to you with your viable options. We promise – it’s easier than you think it is.