Self-employed mortgage broker Melbourne

Why self-employed borrowers need a specialist

When you're self-employed, your income isn't a simple payslip. A self-employed mortgage broker in Melbourne knows which lenders assess business income fairly and which will decline you for the same file.

That knowledge saves you wasted applications and protects your credit score from unnecessary enquiries.

What lenders want to see

• One to two years of personal and business tax returns.
• Consistent or growing net profit, not just turnover.
• Up-to-date BAS and a clean ATO standing.
• A reasonable deposit and a tidy credit history.

Low-doc and alt-doc loans

If your tax returns aren't current, some lenders offer low-doc loans assessed on BAS, an accountant's letter or bank statements instead.

These open the door for newer businesses, though they may need a larger deposit. We find the most competitive option for your situation.

Strengthening your application

Keeping tax returns current, separating business and personal finances, and reducing credit card limits all lift your chances and borrowing power.

We review your file before submission and fix the issues lenders flag — so the first answer is yes.

Free and Melbourne-based

Our service is free to you; we're paid by the lender and disclose it. You get specialist self-employed lending advice at no cost.

Based in Melbourne, we understand local lender appetite and the property types you're buying.