Because everyone deserves financial freedom

Getting a home loan as a self-employed person can be challenging, but it’s definitely doable and viable! You even have the choice of buying property as a self-managed super fund option. We’re here to help you make your property dreams a reality.

We do the leg work for you

We take care of the whole process, from finding the best loan for you to negotiating and completing the paperwork.

Robust assessment process

Over the last 10 years, we've created a robust assessment process that helps increase your chances of getting approved.

Team of experts

With My Mortgage Freedom, you have a team of experts making sure that getting your home loan is as easy as 1-2-3

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
  • Sole-Traders
  • Partnerships
  • Start-Ups
  • Corporate restructures
  • Business purchases
We work with all of these different borrower types on a daily basis. If you are self-employed, you need to make sure you align yourself with our team so that you know you are dealing with someone who gets it.


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.

Lease Doc

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.

Private Funding

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
If you have an asset with a lot of equity, but you do not have the cashflow to access it via a normal bank, you can often use Private Funding to access cash to complete a particular proejct.
For example, say you needed to buy a lot of stock for your business because you had an opportunity to make good profit out of a particular project. You could use your home equity to take out a second mortgage or caveat loan to get the project off the ground. Then when the project is complete and you made your profit, you would pay out the private loan with a pretty penny in your pocket.
These loans are often short term, between 3 months and 2 years. They are usually to complete a project you will make money out of, and then repay the loan in full. If you have an opportunity you need cash for, get in contact with us to chat about whether this is right for you.

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:

  • Commercial
  • Residential
  • Off the plan
Although this isn’t the right strategy for some, we have partnered with specialists who can quickly identify if this is suitable for you. We understand which lenders have the appetite to lend to SMSF’s, and which ones are willing to lend at the right price. With heavy regulation it is important you go through this process with the right advice to make it an enjoyable learning experience, and a great way to unlock more investment strategies.

Are you ready to make buying, building or refinancing as easy as 1-2-3?

Start with a FREE 10 minute chat and we'll take it from there.

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.

Don't let being self-employed hold you back from owning a property...

Start with a FREE 10 minute consultation and we'll take it from there.