- Brisbane mortgage broker for self-employed home loans
Your Brisbane mortgage broker for self-employed home loans
Self-employed income doesn’t follow a standard pattern, and your home loan shouldn’t either. We help Brisbane business owners, sole traders, contractors, and company directors secure lending with a strategy that reflects real income, not just taxable income.
We help Brisbane business owners secure self-employed home loans with clarity and confidence, no matter how complex their income looks. Our support covers:
- Getting approved even if your income is inconsistent, seasonal, or split across multiple entities.
- Building a long-term lending and property finance strategy that suits your business structure.
- Accessing low doc and alt doc self employed home loan options when traditional banks fall short.
- Refinancing to improve cash flow, consolidate business debt, or reduce repayments.
- Structuring lending around cash flow, retained earnings, or director drawings so your true income is understood.
- Our Expertise in Self-Employed Lending
Practical lending guidance for Brisbane business owners with layered or irregular income. We help clarify how lenders view your financials so your real earning capacity is presented accurately.
From New Farm and Tarragindi to North Lakes, Wynnum, and Springfield, we understand Brisbane’s property landscape, postcode differences, and lender appetite across the city’s diverse suburbs.
With access to more than 60 lenders including self-employed specialists we find options that match your business structure, income pattern, and documentation, giving you more flexibility and a stronger chance of approval.
We build lending strategies around your business cash flow and performance, not a generic bank template. Your loan structure supports confident borrowing and long-term growth.
We prepare the paperwork lenders expect to see BAS, P&L, tax returns, bank statements, and financials packaged clearly to strengthen your approval position and reduce back-and-forth with assessors.
- Over 60 Lenders
Access to Australia’s Leading Lenders
We compare major banks and specialist lenders to find self-employed home loan options that align with the way your Brisbane business earns. You get more choice, more flexibility, and structures that reflect your true income not just what a payslip shows.
- Our Capabilities
Specialist Lending Support for Brisbane Business Owners
Self-Employed Home Loans
Whether your income comes through a company, trust, contractor work, or multiple revenue streams, we match you with Brisbane-friendly lenders who understand self-employed structures. We package your application clearly with the right documents — from BAS to financials so lenders see your true earning capacity, not the simplified version.
Business Owner Refinancing
Refinancing as a self-employed borrower takes more than comparing rates. We help Brisbane business owners restructure lending around cash flow, reduce repayments, consolidate debt, improve liquidity, and transition into more competitive loan products that support the way your business earns.
Property Investment Loans
Brisbane’s property market is fast-moving and diverse. We build investment lending strategies for business owners who want to grow their portfolio, protect borrowing capacity, and plan long-term wealth using lender policies that suit Brisbane postcodes and self-employed income structures.
Types of Self-Employed Clients We Work With
Brisbane business owners earn income in many different ways, which is why self-employed home loans can’t follow a one-size-fits-all approach. We support a wide range of self-employed clients across Brisbane, including:
Tradies, mobile service providers, personal trainers, creatives, freelancers, and professionals operating under their own ABN.
Business owners earning through salaries, dividends, retained earnings, or director loans across industries like construction, hospitality, wellbeing, tech, and professional services.
Electricians, carpenters, plumbers, IT contractors, delivery contractors, consultants, and anyone working on a contract, invoice, or project-based income structure.
Businesses with shared income structures where lender interpretation can vary and requires clear financial presentation.
Family trusts, unit trusts, and business trusts where income distribution, retained profits, and tax strategies must be packaged accurately so lenders understand the real financial picture.
Brisbane clients combining PAYG income with ABN income, rental income, e-commerce revenue, or other project-based work.
How Our Self-Employed Lending Process Works
Understanding You
Every strong lending strategy begins with a real conversation no generic forms, assumptions, or cookie-cutter checklists.
We take the time to understand how your Brisbane-based business earns income, whether that’s ABN work, contracts, seasonal earnings, dividends, or director drawings. We look at stability, cash flow patterns, upcoming projects, and where you want your finances to take you.
You’ll also have preferences around lenders — whether you want the stability of a major bank or the flexibility of a specialist lender who understands self-employed structures. All of this shapes the path forward.
Assessing Your Position
Self-employed income rarely fits neatly into a payslip, so we dig deeper.
We review your tax returns, BAS statements, P&L reports, bank statements, and any income variations that require clarification. This gives us a clear, lender-ready picture of your financial position.
For Brisbane borrowers, we also consider local factors like property values, market conditions, and lender appetite across suburbs from North Brisbane to Logan, Ipswich, Redlands, and Moreton Bay. This ensures your application is positioned accurately from day one.
Planning and Matching
This is where your lending strategy takes shape.
We compare policies, structures, and outcomes from more than 60 lenders — including major banks, credit unions, non-banks, alt-doc lenders, and specialist self-employed providers — to find the right match for your income pattern, business structure, and long-term financial goals.
We go well beyond interest rates, focusing instead on:
- loan structures that support cash flow
- debt reduction or refinancing strategies
- tax-friendly lending approaches
- product selection aligned with your future plans
Whether you’re buying, investing, or refinancing, we build a structure that reflects the way your business really earns.
Ongoing Support
Your business will evolve and so will the lending landscape. Rates move, lender policies shift, and opportunities emerge.
We don’t wait for you to contact us. We proactively review your loan when market conditions change or when better options become available. Whether that’s refinancing to reduce repayments, restructuring for tax efficiency, or improving cash flow, we make sure your lending continues to support your personal and business goals.
Our role doesn’t end at settlement it continues for as long as you want a Brisbane mortgage broker who understands self-employed income.
Why Brisbane Business Owners Choose Write Finance
Write Finance is the trusted partner for self-employed borrowers, contractors, and business owners across Brisbane who want lending advice that cuts through complexity. We take the time to understand how your business earns, how your income flows, and what your financials truly show then match you with lenders who recognise the full picture.
Every recommendation is built on strategy, not sales. You’ll work directly with senior mortgage broker Mark Tran, who specialises in self-employed lending and understands the challenges Brisbane business owners face. From the first call through to settlement, you receive clear guidance, proactive communication, and lending structures aligned with your long-term goals.
Write Finance operates under LMG Broker Services Pty Ltd (ACL 517192), giving you full compliance assurance and a transparent, client-first experience at every stage of your lending journey.
across Brisbane, SEQ, and self-employed clients.
Guidance from strategy to settlement and beyond.
Experience across sole traders, contractors, company directors, partnerships, and trust structures.
Income Types Banks Accept
Banks assess self-employed income very differently from PAYG applicants. Instead of relying on a simple payslip, lenders review multiple income sources, business structures, and documentation to determine your real borrowing capacity. We help Brisbane business owners present these income types clearly so lenders see the full financial picture not just the surface numbers.
Sole Trader Income
Lenders review tax returns, BAS statements, profit-and-loss reports, and business bank statements to confirm revenue stability and allowable addbacks for Brisbane sole traders.
Contractor & Subcontractor Income
For ABN contractors, lenders may accept 6–12 months of invoices, business bank statements, or accountant declarations if the work pattern is consistent common for trades, delivery contractors, and project-based workers across Brisbane.
Multiple Income Streams
If you earn from contracts, PAYG work, a company, a trust, or side ventures, we structure your application so lenders understand how your income fits together a common scenario for Brisbane professionals and business owners.
Company Director Income
Banks assess salaries, dividends, retained earnings, and overall business profitability. Some lenders average two years of financials, while others allow most recent-year figures if income is trending upward.
Trust Distributions
Income distributed through a family, unit, or business trust is assessed alongside business performance and your role within the trust structure.
Retained Profits & Addbacks
Some lenders allow addbacks for depreciation, once-off expenses, interest adjustments, or business-related items that increase your assessed borrowing capacity especially relevant for growing Brisbane businesses reinvesting heavily.
Documents Lenders Need for Self-Employed Home Loans
Self-employed income isn’t assessed the same way as PAYG. Brisbane lenders look closely at business performance, cash flow, income consistency, and how your financials are structured. Having the right documents prepared and presented properly can make a major difference to your borrowing capacity and approval outcome.
These are the key documents lenders use to verify self-employed income:
Tax Returns & Financial Statements
Most lenders request up to two years of personal and business tax returns, along with full financial statements. Some specialist lenders may consider one year of financials if your income trend is strong or your business is performing well.
BAS Statements
For borrowers with shorter trading histories or seasonal income, BAS can help demonstrate real-time revenue, quarterly performance, and business activity levels. This gives lenders additional insight into how your business earns.
Profit & Loss Reports
A current P&L helps lenders assess income patterns, business expenses, seasonal fluctuations, and allowable addbacks all of which can increase your borrowing capacity.
Business Bank Statements
Bank statements confirm consistent cash flow, spending behaviour, business activity, and how income moves through your accounts. Lenders use this to validate that your declared income matches real trading performance.
Accountant Declarations
Some lenders accept an accountant’s letter to clarify income, confirm recent performance, explain complex structures, or verify addbacks not shown clearly in standard financials.
Trust & Company Documents
If you operate through a trust or company structure, lenders may request trust deeds, constitutions, distribution statements, or ASIC records to understand ownership, profit flow, and the way income is distributed.
Invoices & Contract History (for contractors)
Contractors, freelancers, and subcontractors may need to provide recent invoices, remittance summaries, or contract agreements to prove active work, demand, and consistency of income.
Testimonials
What Our Clients Say
Brisbane FAQs for Self-Employed Borrowers
Many Brisbane business owners earn income that varies with project cycles, invoicing delays, and seasonal demand. Lenders often misinterpret this as financial instability, even when the overall business is strong.
Add in tax-minimisation strategies, fluctuating BAS results, retained earnings, and multiple income streams and your true borrowing capacity can be significantly underestimated.
Brisbane’s competitive housing market makes this even more important. With the city’s median house price now above $860,000, presenting your financial strength accurately can be the difference between securing the right home and missing out. We help you show lenders the real story behind your numbers.
Most self-employed applicants will require a mix of:
- 1–2 years of tax returns and financials
- BAS statements for the last 12–24 months
- Profit-and-loss reports
- Business or personal bank statements (3–6 months)
- ATO portal summaries
- Trust deeds or company documents if applicable
Many Brisbane lenders also accept:
- Accountant declarations
- Low-doc alternatives for strong businesses with irregular cash flow
Having everything packaged properly can increase your borrowing capacity by 10–25%, depending on how income is assessed.
Low-doc or alt-doc loans allow Brisbane business owners to verify income using alternative documents such as BAS, accountant letters, or bank statements instead of full tax returns.
They can help if:
- You reinvest profits back into the business
- You have strong cash flow but low taxable income
- You’ve recently changed business structure
- You need faster approval to secure a property in Brisbane’s fast-moving market
Major non-bank lenders often approve low-doc loans in 48–72 hours, much faster than major banks.
Yes, depending on the structure of your income. Some Brisbane lenders will consider applicants who:
- Have 12+ months trading history
- Previously worked in the same field as PAYG
- Can show strong business performance or BAS turnover
- Have significant savings, equity, or a guarantor
If your industry is stable (e.g. construction, healthcare, consulting), lenders may accept shorter trading history with supporting documentation.
Popular loan structures include:
- Variable and fixed rate loans for standard home purchases
- Low-doc home loans for those with complex financials
- Offset loans for tax-efficient cash flow management
- Interest-only loans for investors growing their Brisbane portfolio
- Refinancing options to consolidate business debt or reduce repayments
For established businesses, correctly structuring your loan can significantly improve tax efficiency.
You can improve approval chances by:
- Reducing short-term debt before applying
- Increasing business reserves (3–6 months recommended)
- Showing consistent BAS turnover
- Providing clean bank statements with stable cash flow
- Preparing a clear accountant letter if your income fluctuates
- Avoiding large once-off expenses before applying
Applicants who prepare financials clearly (rather than “as is”) see approval success rates rise by 30–40%.
Yes, depending on eligibility:
- First Home Owner Grant (QLD) — $15,000 for new builds
- Stamp duty concessions for first-home buyers up to $500k, with partial concessions up to $550k
- Potential regional grants if purchasing outside metro Brisbane
Self-employed buyers can claim the same grants as PAYG workers, provided eligibility criteria are met.
Yes depending on your structure and investment strategy.
Many self-employed purchasers in Brisbane benefit from:
- Stamp duty concessions
- Negative gearing advantages for investment properties
- Depreciation deductions on eligible homes
- Tax offsets linked to business structure
We work with your accountant to ensure your loan structure aligns with your tax strategy.
Meet Your Mortgage Broking Team
We’re small, personal, and committed to your success.
How Self Employed Home Loans Work
Self-employed home loans are assessed differently because lenders can’t rely on simple payslips or fixed wages. Instead, they look closely at how your Brisbane business earns income, how stable that income is over time, and whether your financials reflect your true earning capacity.
Lenders assess a combination of documents tax returns, BAS, bank statements, profit-and-loss reports, and business structures to understand the full picture. They also weigh factors unique to the Brisbane market such as local property values, postcode restrictions, and sector stability across industries like construction, trade services, healthcare, and professional services.
Our role is to translate your financial story clearly, highlight your real earning potential (not just your taxable income), and structure your application to fit the lender that best understands self-employed borrowers. We guide you through each step so your loan supports both steady cash flow and long-term property goals.
How Write Finance Helps
How Write Finance Helps and Borrowing Capacity for Self Employed
Discovery and Goal Setting
We begin with a clear understanding of your goals whether you’re buying your first home, upgrading, investing, or refinancing to free up capital for business growth. For self-employed borrowers, we look deeper into how your income is earned: through a company, trust, contractor income, director drawings, or multiple revenue streams. This allows us to present your financials to lenders in the most accurate and favourable way, tailored to Brisbane’s lending landscape.
Documentation and Preparation
Self-employed borrowers require more than standard payslips and bank statements. We prepare the documentation lenders actually rely on financials, BAS statements, business bank statements, profit-and-loss reports, and accountant declarations.Proper preparation prevents lenders from underestimating your income and strengthens your borrowing position from day one.
Borrowing Capacity Assessment
We use lender-specific tools (not simple online calculators) to model your borrowing capacity across major banks, non-banks, and self-employed specialist lenders. We factor in addbacks such as depreciation, interest adjustments, retained earnings, and one-off expenses that often increase usable income.We also evaluate living expenses, existing debts, and upcoming rate changes to give you an accurate, forward-looking borrowing estimate.
Lender Comparison and Recommendation
Every lender treats self-employed borrowers differently. We compare policies from over 60 lenders to find those that:Understand seasonal or variable incomeAccept company, trust, or sole-trader structuresOffer flexible documentation pathways (alt-doc / low-doc)Support your Brisbane property goals without restricting future lendingYou receive a clear recommendation based on strategy, long-term suitability, and how your income genuinely works — not just the interest rate.
Strategy to Maximise Borrowing Power
If your borrowing capacity isn’t where it needs to be, we outline proven steps to improve your position before applying. This may include restructuring debt, adjusting how income is paid, preparing stronger documentation, or improving the way your business performance is presented.Our goal is to help you enter the lending process in the strongest possible position without compromising cash flow or business stability.
Suburbs Supported Across Brisbane
We support self-employed borrowers and business owners across the entire Brisbane region from the inner city to the northside, southside, bayside, and western growth corridors. Whether you’re buying, refinancing, or investing, we provide lending advice tailored to your suburb’s property landscape.
- Brisbane City
- Fortitude Valley
- Newstead
- Teneriffe
- Bowen Hills
- Spring Hill
- South Brisbane
- West End
- Chermside
- Aspley
- Kedron
- Stafford
- Everton Park
- Albany Creek
- North Lakes
- Bray Park
- Sunnybank
- Sunnybank Hills
- Mount Gravatt
- Eight Mile Plains
- Rochedale
- Upper Mount Gravatt
- Calamvale
- Parkinson
- Indooroopilly
- Taringa
- Toowong
- Kenmore
- Chapel Hill
- Fig Tree Pocket
- Brookfield
- Wynnum
- Manly
- Manly West
- Tingalpa
- Carina
- Carindale
- Cannon Hill
Ready to move forward with your loan?
Share a few details and we’ll get back to you to book a time that works.
We’ll talk through your goals, your business income, and the lending pathways available to you.
No cost. No obligation. Just clear guidance tailored to your business income.
