Self-Employed? We Speak Your Financial Language

Overcome variable income challenges and complex documentation requirements. As Melbourne's specialist mortgage broker for self-employed professionals, I have the lender relationships and expertise to secure your financing when others can't.

Book Your Self-Employed Strategy Session Call for Immediate Help

200+

Self-Employed Clients Approved

85%

Success Rate with Variable Income

40+

Self-Employed Friendly Lenders

10 Days

Average Conditional Approval

Flexible Documentation Options

Multiple pathways to prove your income and secure financing

Full Doc Loans

Tax Returns (2 Years)

Complete tax returns with accountant letter and business activity statements for full verification.

Profit & Loss Statements

Detailed P&L statements for current year income assessment and trending analysis.

Business Bank Statements

6-12 months of business banking showing consistent income flow and cash management.

Alternative Documentation

Accountant Declaration

Certified accountant letter confirming income for clients with limited documentation.

Self-Declared Income

Low-doc options for experienced business owners with strong credit history and deposits.

Asset-Based Lending

Financing based on property value and borrower's asset position rather than income.

Self-Employed Borrowing Power Calculator

Get an estimate of your borrowing capacity based on your self-employed income

Annual Business Income

$50K $150K $500K+

Years in Business

1 Year 3 Years 10+ Years

Estimated Borrowing Power

$600,000

*This is an estimate only. Actual borrowing power depends on various factors including expenses, credit history, and lender criteria.

Get Accurate Assessment

Success Story: Marcus Thompson

Consultant overcame bank rejections to secure $850K loan

Marcus Thompson

IT Consultant & Business Owner

"Three banks rejected me because of my variable consulting income and complex business structure. Santino understood my situation immediately and found a lender who specialises in self-employed professionals. Not only did I get approved for $850K, but the rate was competitive with standard employee loans."

$850K

Loan Approved

3 Weeks

From Application

5.89%

Competitive Rate

90% LVR

Loan to Value

The Challenge:

Variable consulting income over 18 months
Complex business structure with multiple revenue streams
Previous bank rejections affecting confidence
Tight timeline for property purchase

Self-Employed Industries We Specialize In

Expert knowledge across diverse self-employed sectors

IT & Tech Consultants

Software developers, IT contractors, digital specialists

Professional Services

Consultants, advisors, freelance professionals

Retail & Hospitality

Restaurant owners, retail business operators

Trades & Construction

Builders, contractors, skilled tradespeople

Creative Industries

Designers, artists, content creators, agencies

Health & Wellness

Allied health practitioners, fitness professionals