Home Loans for Brisbane Business Owners Built on expert advice lender access cash flow strategy real results
Tailored home loan strategies for sole traders, ABN holders, and company directors in Brisbane.
We Help Self-Employed Clients:
- Get approved even with non-standard income
- Build a long-term property finance strategy
- Access low doc and alt doc loan options
- Refinance to improve business liquidity
- Structure lending around cash flow and retained earnings
- Our expertise
Clear, realistic guidance for clients with layered business income and complex financials.
From North Lakes and Chermside to Carindale, Springfield, and the Bayside, we understand local property values, lender appetite, and postcode-specific lending policies.
We compare over 60 banks, credit unions, and non-bank lenders including big names like ANZ, CommBank, NAB, and Westpac, as well as specialist self-employed lenders.
We build lending strategies around your business structure and future plans, not the bank’s default template.
From tax returns to accountant declarations, we prepare the paperwork lenders actually want to see — increasing your approval potential.
- Over 60 Lenders
Access to Australia’s Leading Lenders
We work with a wide network of trusted lenders from the big four banks to specialist providers giving you more choice, better negotiation power, and loan options tailored to your goals.
- Our Capabilities
Tailoring plans using listed capabilities
Self-Employed Home Loans
Whether your income comes through a trust, company dividends, or multiple contracts, we work with lenders who understand self-employed structures. We help package your application with the right documents, from BAS to profit-and-loss statements, so you’re seen in the best light.
Business Owner Refinancing
If your loan hasn’t been reviewed in the last 12–18 months, you could be overpaying. We refinance business owners into more competitive rates and smarter structures freeing up cash for expansion, equipment purchases, or just improving day-to-day liquidity.
Property Investment Loans
Buying your next property while running a business takes careful planning. We build investment loan strategies that fit your cash flow, protect your borrowing capacity, and work with your long-term wealth goals.
Our process
Understanding You
We start with a proper conversation, no generic forms and no “one-size-fits-all” approach. We want to understand how your business runs, how your income flows in, and where you’re heading. Whether you’re a sole trader with seasonal income, a director drawing dividends, or an ABN holder juggling multiple contracts, we tailor our approach to your reality. We also talk about your preferences, for example, if you’d rather work with a major lender like ANZ or CommBank for familiarity, or explore specialist lenders that might offer more flexible policies for self-employed borrowers.
Assessing Your Position
PAYG applicants often just hand over a payslip but as a business owner, the story is more complex. We gather and review your tax returns, BAS statements, profit-and-loss reports, and bank statements to build a true picture of your capacity. We also factor in retained earnings, add-backs, and business expenses that could impact your borrowing potential. For Brisbane clients, we check lender appetite in your target suburbs, since valuations in areas like North Lakes or Springfield can influence approval and loan terms.
Planning and Matching
This is where the strategy comes in. We compare policies and rates from over 60 lenders including the big four banks (ANZ, Westpac, CommBank, NAB), credit unions, and specialist non-bank lenders. Some lenders may be more flexible on documentation, others may have sharper fixed rates or offset features that suit your goals. We look beyond just the rate, making sure the loan structure fits your business performance and future plans whether that’s refinancing, releasing equity, or buying your next investment property.
Ongoing Support
Markets shift, interest rates change, and your business evolves. We don’t wait for you to call us — we proactively review your loan when the Reserve Bank moves, when lenders adjust policies, or when the property market in your area changes. Whether it’s finding a sharper deal with a major bank or switching to a more flexible non-bank lender, we make sure your lending keeps pace with your business and your personal goals.
Testimonials
What Our Clients Say
Self-Employed Home Loans
Lenders value consistent income—a criterion often complicated by the fluctuating earnings of self-employed individuals. Many brokers suggest showing a consistent income stream over the last two years to improve approval chances For example, tax minimisation strategies, while beneficial for business, can reduce reported income and affect serviceability assessments.Staging
For full-documentation loans, you typically need two years of tax returns, Notice of Assessments, recent BAS statements, business bank statements, and potentially an accountant’s declaration verifying income. Some lenders accept alternative documentation if standard evidence is not available.
Low-doc loans allow you to verify income using BAS, bank statements, or accountant letters instead of full tax returns. No-doc loans go further, relying on property value and your exit strategy rather than income verification, but they generally come with higher interest rates and are offered by specialist non-conforming lenders.
Yes, some lenders will work with new business owners, but approval often requires stronger supporting evidence, a larger deposit, or acceptance of a higher interest rate. Showing consistent revenue growth and providing signed contracts for future work can help strengthen your application.
Popular options include variable or fixed rate loans, interest-only periods, and loans with offset accounts. Flexible loans that allow redraws, extra repayments, or repayment holidays can be particularly valuable when income varies month to month.
Maintain a strong credit history, save for a larger deposit, keep your financial records up to date, and work with a broker experienced in self-employed lending. Demonstrating stable or rising income, supported by BAS and bank statements, can significantly improve approval chances.
Yes. Self-employed buyers can still access programs such as the Queensland First Home Owner Grant and the Federal First Home Guarantee, provided they meet eligibility requirements around property value, location, and occupancy.
Specialist brokers work with multiple lenders and can match your circumstances with a lender that understands self-employed income structures. This expands your options beyond what a single bank can offer and allows for more strategic loan structuring.
Ready to move forward with your loan?
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We work with clients across Brisbane and surrounding areas from the CBD to North Lakes, Springfield, and the Bayside.
