Self-employed income
Assess full-document and eligible alternative-documentation options based on your trading history.
Melbourne-based. Helping borrowers Australia-wide. Available 7 days.
0477 212 840Complex and specialist lending
When your situation needs more than a checklist.
Practical lending support for self-employed borrowers, non-standard income, debt consolidation and scenarios that need careful lender matching.
Self-employed expertisePolicy-led lender matchingA clear application strategy
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Clear advice from start to finish.18 years’ experience · 40+ lenders compared
How we help
Turn a complicated scenario into a clear pathway.
Different lenders interpret income, business performance and credit scenarios differently. The right preparation and policy fit can make a material difference.
Non-standard earnings
Navigate bonus, commission, contract, overtime or multiple income sources with lender-specific policy in mind.
Debt consolidation
Model repayments, costs and loan-term impacts before combining eligible debts.
Application strategy
Identify likely obstacles early and present your position clearly to a suitable lender.
Your pathway
A considered process. Clear next steps.
Understand
We unpack your income, credit position, security and goals.
Investigate
We test the scenario against relevant lender policies.
Prepare
We build a document and application strategy.
Manage
We submit, explain and progress the application to settlement.
Talk to an experienced broker
Let’s make your next step clearer.
Share a few details and Chris will contact you personally to understand your position and outline a useful next step. There’s no pressure and no obligation.
Common questions
Good decisions start with good questions.
Can I get a home loan if I am self-employed?+
Yes. Lenders may assess tax returns, financial statements and business activity differently. The available pathway depends on your trading history, documentation, industry and overall position.
Can I consolidate debts into my home loan?+
It may be possible, subject to equity and lender approval. While this can reduce monthly repayments, extending short-term debt over a home-loan term may increase total interest, so we model the implications first.
What if my bank has declined me?+
A decline does not always mean every lender will reach the same outcome, but it is important to understand why before applying again. We review the reason, your credit file and alternative policy options.
This information is general in nature and does not take into account your objectives, financial situation or needs. Credit assistance is subject to assessment, lender criteria and approval. Government scheme and grant eligibility is determined by the relevant authority.