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.
Self-Employed Clients Approved
Success Rate with Variable Income
Self-Employed Friendly Lenders
Average Conditional Approval
Multiple pathways to prove your income and secure financing
Complete tax returns with accountant letter and business activity statements for full verification.
Detailed P&L statements for current year income assessment and trending analysis.
6-12 months of business banking showing consistent income flow and cash management.
Certified accountant letter confirming income for clients with limited documentation.
Low-doc options for experienced business owners with strong credit history and deposits.
Financing based on property value and borrower's asset position rather than income.
Get an estimate of your borrowing capacity based on your self-employed income
*This is an estimate only. Actual borrowing power depends on various factors including expenses, credit history, and lender criteria.
Get Accurate AssessmentWhy three declines said more about the assessment model than the borrower
A consultant running his own firm had been declined three times. Each lender looked at income that moved month to month and stopped there — none of them looked at what the business had actually earned across a full cycle, or at the contracts already signed for the year ahead. We took him to a lender that assesses self-employed income on company financials rather than payslips, and presented the trading history in the form that lender's credit team actually reads.
Loan Approved
From Application
Competitive Rate
Loan to Value
Expert knowledge across diverse self-employed sectors
Software developers, IT contractors, digital specialists
Consultants, advisors, freelance professionals
Restaurant owners, retail business operators
Builders, contractors, skilled tradespeople
Designers, artists, content creators, agencies
Allied health practitioners, fitness professionals
Get expert assessment and personalised solutions for your unique self-employed situation.