👩‍💼 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

Every self-employed situation is different — we work with a wide range of loan types and lender policies.

🎧 Heard This on the Podcast?

If you’re here after listening to our podcast, welcome. We often cover lending topics for small business owners, contractors, and self-employed professionals. This is where you can take the next step.

📞 Ready to Take the Next Step?

We can help you understand what lenders may require and assist you with preparing a strong loan application.

🔗 [Get Matched with a Broker Who Works with Self-Employed Clients →]

📞 Or [Contact Us] to ask a question