👩💼 Loans for the Self-Employed
Supporting business owners, contractors, and freelancers with real lending options.
Running your own business comes with flexibility — and complexity. At Finance on the Coast, we regularly work with self-employed clients whose income doesn’t fit into standard PAYG boxes.
We understand how different structures work — whether you’re a sole trader, company director, or trust holder — and we can assist you with applying for a home loan that reflects your full financial picture.
🧩 What We Do
- Help you prepare for a loan application with self-employed income
- Work with lenders who understand ABNs, company and trust structures
- Submit and manage your application — including all supporting documents
- Assist with both home and investment loans, as well as equity release
- Stay with you through approval, purchase, refinance or restructure
- We help you keep the process moving while you focus on running your business.
🧠 What Lenders May Look For
Different lenders have different policies, but here are some common requirements for self-employed applicants:
- Minimum 1–2 years ABN registration
- Tax returns and financials for your business
- BAS statements or interim figures
- Company or trust documents (if applicable)
- Clear ATO history and business bank statements
We’ll help you stay organised and work with a lender that aligns with your structure.
🏘️ Common Scenarios We Assist With
- Buying a home while running a business
- Refinancing or restructuring a loan for cash flow
- Purchasing an investment property
- Accessing equity to reinvest in your business or consolidate debts
- Moving from low-doc to full-doc lending