• Mortgage Broker for Sole Traders

Home Loans for Sole Traders Who Need Flexible Lending Options

Write Finance helps sole traders secure home loans with strategies built around real income, ABN earnings, and business cash flow, so you’re not assessed like a standard PAYG borrower.

Whether you have one year of income, fluctuating earnings, or need a low doc option, we structure sole trader home loans that align with how your business actually operates.

Get Expert Advice on Sole Trader Home Loans
  • What You Get With Write Finance
Sole Trader Lending Strategy

Sole trader home loans require more than basic approval. We structure finance around your ABN income, cash flow, and business performance, whether you're applying with one year income, low doc, or full financials.

Understanding Sole Trader Income

Lenders assess sole traders differently, focusing on business income, expenses, and consistency. We present your financials clearly so lenders understand your real earning capacity, not just taxable income.

Access to 60+ Lenders for Sole Traders

We compare over 60 lenders, including banks and specialist providers offering ABN home loans and low doc options for sole traders, giving you more flexibility and stronger chances of approval.

Sole Trader Loan Documentation, Handled

We manage everything from financials to lender requirements, ensuring your application is structured properly. This helps reduce delays and improves approval outcomes for self-employed borrowers.

Access to Australia’s Leading Lenders

We work with trusted lenders experienced in sole trader lending, giving you access to better loan options, competitive rates, and structures suited to self-employed income.

Start Your Application

We help Sole Traders secure home loans with clarity and confidence. Support covers:

  • Getting approved with ABN income, one year financials, or non-standard income
  • Structuring home loans around real income, not just taxable figures
  • Comparing major banks and specialist lenders for sole traders
  • Presenting your financial story clearly to lenders
  • Supporting sole traders with simple or complex structures
  • Over 60 Lenders

Access to Australia’s Leading Lenders for Sole Traders

We work with a wide network of trusted lenders, including major banks and specialist providers offering sole trader home loans, ABN loans, and low doc options, giving you more choice, stronger negotiation power, and flexible lending solutions aligned to your income.

  • Our Capabilities

Home Loan Solutions Built Around How Sole Traders Earn

Owner-Occupied Home Purchases

Buying a home as a sole trader requires the right structure. We align your loan with your real income, business performance, and cash flow so your borrowing reflects how you actually earn.

Investment Property Purchases

We help sole traders secure investment loans using structures that consider business income, add-backs, and long-term financial goals, ensuring lenders assess your full earning potential.

Refinancing Sole Trader Home Loans

If your loan hasn’t been reviewed recently, you may be paying more than necessary. We reassess your structure and compare lenders to improve flexibility, rates, and overall loan suitability.

Equity Release for Business Growth

Use equity in your property to fund business growth, equipment, or working capital. We structure releases carefully to maintain manageable repayments based on your income flow.

Self-Employed and Complex Income Structures

Sole trader income can be complex. We work with lenders who understand ABN income, expense add-backs, and non-standard financials to give you better approval outcomes.

Low Doc and ABN Loan Options

For sole traders without full financials, we provide access to low doc and ABN home loans, helping you secure finance using alternative income verification methods.

How Our Sole Trader Home Loan Process Works

01.

Understanding Your Income and Business

We start with a real conversation about your sole trader income, how your business operates, and your goals. This includes reviewing ABN income, cash flow patterns, and how lenders will assess your earnings.

02.

Assessing Your Financial Position

We review tax returns, bank statements, and business performance. For sole traders, we focus on presenting your true income, including add-backs and adjustments, to reflect your real borrowing capacity.

03.

Structuring and Lender Matching

We compare lenders that specialise in sole trader home loans, including low doc and ABN options. The focus is on finding a structure that suits your income type, not just the lowest rate.

04.

Documentation, Approval, and Settlement

We manage the full process from application to settlement, ensuring your loan is structured correctly. Ongoing support is available as your income grows or your financial situation changes.

Testimonials

What Our Clients Say

Real feedback from sole traders, self-employed professionals, and ABN holders across Australia who’ve worked with Write Finance to secure home loans tailored to their income, business structure, and lending needs.
Joshua Birch
Self Employed Borrower
We can’t thank Mark and the Write Finance team enough for their help securing our home loan. As self-employed borrowers, we were initially unsure of our borrowing position — but after speaking with Mark, everything became clear. His expertise with self-employed home loans made all the difference.Thanks to Mark’s guidance, we had a clear budget from the start and ended up securing unconditional approval in half the settlement period, with zero stress. The entire process was handled professionally, with great communication and no surprises. Highly recommend Mark and his team to anyone — especially if you're self-employed and want clarity, speed, and confidence in your loan approval.
Jaidon Prior
Property Investor
We have been working with Mark for years now, been an absolute pleasure to deal with him and his team. Nothing but the most professional advice. Always quick to answer any question and resolve any issue. No problem is too big or too small. Cannot recommend this team enough.
Taeipo Amosa
First Home Buyer
I met Mark and his team through my partner. He helped me especially as it was my first time buying a home and did not know what I was getting myself into. Many times I became emotional but Mark never judged and kept going with everything. This is the type of person you would like to have helping you, someone despite the challenges, their tone remains the same as when you first met them.Thank you Mark and the team for helping me and my partner out. Very grateful for your hard-work, determination and dedications towards our case.
Meg Wilson
Self Employed Loan
We had the pleasure of working with Mark Tran for our new Home Loan. As Business Owners, our situation is not so simple, there are lots of Brokers who can't help with our setup. Mark worked alongside our Accountant & Book Keeper which allowed us to forget about finance and focus on our new home.That being said, Mark made the process simple and easy. He gave us hours of his time over the course of 6-9 months, was always available on the phone and gave us genuine advice that we trusted. He's also a great guy to chat to! On top of that, we needed the finance between Xmas Eve & 6th Jan. Mark pulled this off, and also recommended a great Solicitor to work with.
Randika Siriwardana
Property Investor
Mark has helped me and several members of my family sort out our mortgage over several years quickly and efficiently. As he's not connected to any particular bank, he will find you the best deal available for your situation. I would highly recommend him to anyone looking for a broker - always highly professional and looking out for your well being.
Joshua Birch
Self Employed Borrower
We can’t thank Mark and the Write Finance team enough for their help securing our home loan. As self-employed borrowers, we were initially unsure of our borrowing position — but after speaking with Mark, everything became clear. His expertise with self-employed home loans made all the difference.Thanks to Mark’s guidance, we had a clear budget from the start and ended up securing unconditional approval in half the settlement period, with zero stress. The entire process was handled professionally, with great communication and no surprises. Highly recommend Mark and his team to anyone — especially if you're self-employed and want clarity, speed, and confidence in your loan approval.
Jaidon Prior
Property Investor
We have been working with Mark for years now, been an absolute pleasure to deal with him and his team. Nothing but the most professional advice. Always quick to answer any question and resolve any issue. No problem is too big or too small. Cannot recommend this team enough.
Taeipo Amosa
First Home Buyer
I met Mark and his team through my partner. He helped me especially as it was my first time buying a home and did not know what I was getting myself into. Many times I became emotional but Mark never judged and kept going with everything. This is the type of person you would like to have helping you, someone despite the challenges, their tone remains the same as when you first met them.Thank you Mark and the team for helping me and my partner out. Very grateful for your hard-work, determination and dedications towards our case.
Meg Wilson
Self Employed Loan
We had the pleasure of working with Mark Tran for our new Home Loan. As Business Owners, our situation is not so simple, there are lots of Brokers who can't help with our setup. Mark worked alongside our Accountant & Book Keeper which allowed us to forget about finance and focus on our new home.That being said, Mark made the process simple and easy. He gave us hours of his time over the course of 6-9 months, was always available on the phone and gave us genuine advice that we trusted. He's also a great guy to chat to! On top of that, we needed the finance between Xmas Eve & 6th Jan. Mark pulled this off, and also recommended a great Solicitor to work with.
Randika Siriwardana
Property Investor
Mark has helped me and several members of my family sort out our mortgage over several years quickly and efficiently. As he's not connected to any particular bank, he will find you the best deal available for your situation. I would highly recommend him to anyone looking for a broker - always highly professional and looking out for your well being.
Joshua Birch
Self Employed Borrower
We can’t thank Mark and the Write Finance team enough for their help securing our home loan. As self-employed borrowers, we were initially unsure of our borrowing position — but after speaking with Mark, everything became clear. His expertise with self-employed home loans made all the difference.Thanks to Mark’s guidance, we had a clear budget from the start and ended up securing unconditional approval in half the settlement period, with zero stress. The entire process was handled professionally, with great communication and no surprises. Highly recommend Mark and his team to anyone — especially if you're self-employed and want clarity, speed, and confidence in your loan approval.
Jaidon Prior
Property Investor
We have been working with Mark for years now, been an absolute pleasure to deal with him and his team. Nothing but the most professional advice. Always quick to answer any question and resolve any issue. No problem is too big or too small. Cannot recommend this team enough.
Taeipo Amosa
First Home Buyer
I met Mark and his team through my partner. He helped me especially as it was my first time buying a home and did not know what I was getting myself into. Many times I became emotional but Mark never judged and kept going with everything. This is the type of person you would like to have helping you, someone despite the challenges, their tone remains the same as when you first met them.Thank you Mark and the team for helping me and my partner out. Very grateful for your hard-work, determination and dedications towards our case.
Meg Wilson
Self Employed Loan
We had the pleasure of working with Mark Tran for our new Home Loan. As Business Owners, our situation is not so simple, there are lots of Brokers who can't help with our setup. Mark worked alongside our Accountant & Book Keeper which allowed us to forget about finance and focus on our new home.That being said, Mark made the process simple and easy. He gave us hours of his time over the course of 6-9 months, was always available on the phone and gave us genuine advice that we trusted. He's also a great guy to chat to! On top of that, we needed the finance between Xmas Eve & 6th Jan. Mark pulled this off, and also recommended a great Solicitor to work with.
Randika Siriwardana
Property Investor
Mark has helped me and several members of my family sort out our mortgage over several years quickly and efficiently. As he's not connected to any particular bank, he will find you the best deal available for your situation. I would highly recommend him to anyone looking for a broker - always highly professional and looking out for your well being.
Why us

Why Sole Traders Choose Write Finance for Home Loans

Write Finance supports sole traders across Australia who need lending advice that reflects ABN income, business cash flow, and how self-employed borrowers are actually assessed by lenders.

Sole trader home loans require a different approach to standard PAYG lending. We structure loans around real income, including add-backs and business performance, so your application presents a stronger and more accurate financial position.

You’ll work with brokers experienced in self-employed lending, focused on clear strategy, transparent advice, and long-term outcomes, not just quick approvals.

$150M
in Loans Approved
400+
Clients Supported
200+
Self-Employed Clients Financed
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How Sole Trader Home Loans Work

Sole trader home loans are assessed differently to standard PAYG applications. Lenders look closely at your ABN income, business expenses, income consistency, and how repayments will be managed over time.

Assessments often include reviewing tax returns, bank statements, and business performance, with adjustments made to reflect your true income. Add-backs and expense considerations can play a key role in improving borrowing capacity.

Write Finance helps present your financial story clearly, highlight the right strengths, and structure your application so lenders understand how your income works in real life, not just what’s on paper.

Documents Lenders Need for Sole Trader Home Loans

Sole trader home loans require more detailed documentation than standard PAYG applications. Lenders need to understand your business income, cash flow, and overall financial position to assess borrowing capacity accurately.

Tax Returns (Personal & Business)

Most lenders require recent tax returns to assess your income over time and understand how your business performs across different financial years.

Business Financial Statements (if available)

Financial statements help demonstrate profitability, expenses, and overall business health, especially for sole traders with longer trading history.

BAS Statements

BAS can provide insight into your current income, turnover, and business activity, supporting your application, especially for low doc or ABN loans.

Business Bank Statements

Bank statements are reviewed to confirm income consistency, cash flow behaviour, and expense patterns across your business accounts.

ABN and Business Details

Lenders will review your ABN registration, industry type, and time in business to assess stability and eligibility for sole trader lending.

Additional Supporting Documents (if required)

Depending on your situation, lenders may request further documents to clarify income, business structure, or financial position.

Sole Trader Home Loan FAQs

Most sole trader home loans require a 10–20% deposit, depending on income consistency, ABN history, and lender policy. Strong financials or low doc options may influence how much deposit is required.

Lenders assess sole traders using tax returns, BAS, and bank statements. They may average income over time and apply add-backs to reflect true earnings, especially where business expenses reduce taxable income.

Yes, some lenders offer home loans for sole traders with one year ABN. Approval depends on industry stability, income consistency, and supporting documents like BAS or bank statements.

Sole traders can access full doc, low doc, and ABN home loans. The right option depends on your financials, length of trading, and how your income is documented and presented to lenders.

Approval timelines typically range from 1–3 weeks depending on documentation, lender requirements, and deal complexity. Well-prepared applications with complete documents can help speed up the process.

Commercial Property Buying FAQs

Refinancing may be worth considering after 12–24 months, when your income has improved, interest rates change, or your current loan no longer suits your business or financial situation.

Yes, sole traders can refinance to release equity for business growth, investments, or cash flow. Lenders assess your income, existing debts, and equity position to determine borrowing capacity.

Yes, lenders reassess your full financial position, including updated income, expenses, and liabilities. Sole traders must provide recent financials to confirm serviceability under current lending criteria.

Stable and consistent business income improves refinancing options. Fluctuating income may limit lender choice, but proper structuring and documentation can help present a stronger application.

Common mistakes include underreporting income, poor documentation, and choosing lenders without understanding self-employed policies. Working with a broker helps structure your application to improve approval chances.

Get started

Take the Next Step with a Broker Who Understands Sole Trader Home Loans

No pressure
Just clear,
expert guidance

Leave your details and we’ll get in touch to map out your options.

OR REACH US AT:
0416 826 286
mark@writefinance.com.au
89 McLachlan St, Fortitude Valley QLD 4006
Rated 4.8 out of 5
5.0
Customer Reviews