• Sunshine Coast mortgage broker for self employed home loans

Your Sunshine Coast mortgage broker for self employed home loans that fit the way your business really earns.

Self-employed income doesn’t follow a standard pattern and your home loan shouldn’t either. We help Sunshine Coast business owners, sole traders, contractors, and company directors secure lending with a strategy that reflects real income, not just taxable income.

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We help Sunshine Coast 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
Strategic Lending Advice

Practical lending guidance for Sunshine Coast business owners with layered income. We help clarify how lenders interpret your financials so your true earning capacity is presented accurately.

Sunshine Coast Market Insight

From Maroochydore and Buderim to Caloundra, Noosa, and the Hinterland, we understand local property trends and postcode variations that influence lender appetite across the region.

Lender Access for Self Employed Borrowers

With over 60 lenders — including self-employed specialists — we find options that suit your structure, documentation, and income pattern, giving you more flexibility and better fit.

Business-Led Planning

We build lending strategies around your business performance and cash flow, not a bank template, helping you borrow confidently while supporting long-term plans.

Documentation Support

We prepare the paperwork lenders want to see BAS, P&L, bank statements, and financials packaged clearly to strengthen your approval position.

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  • Over 60 Lenders

Access to Australia’s Leading Lenders

We compare lenders across major banks and specialist providers to find self employed home loan options that suit the way your Sunshine Coast business earns.

  • Our Capabilities

Specialist Lending Support for Sunshine Coast Business Owners

Self-Employed Home Loans

Whether your income comes through a trust, company dividends, multiple contracts, or seasonal work, we match you with lenders who understand self-employed structures. We package your application with the right documents from BAS to financials so lenders see your true income clearly.

Business Owner Refinancing

Refinancing as a self-employed borrower requires more than comparing rates. We help Sunshine Coast business owners restructure lending around cash flow, reduce repayments, improve liquidity, and move into more competitive loan products that support the way your business earns.

Property Investment Loans

Sunshine Coast property moves fast. We build tailored investment lending strategies for business owners who want to grow their portfolio, protect borrowing capacity, and plan long-term wealth using the right lender policies and loan structure.

Types of Self-Employed Clients We Work With

Sunshine Coast 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 the Coast, including:

Sole Traders

Tradies, mobile service providers, personal trainers, creatives, freelancers, and professionals who operate under their own ABN.

Company Directors

Business owners drawing income through salaries, dividends, retained earnings, or director loans across industries like construction, wellbeing, hospitality, and professional services.

Contractors & Subcontractors

Electricians, carpenters, plumbers, IT contractors, delivery contractors, and anyone working on a contract or project basis with variable income.

Partnerships

Businesses with shared income structures where lender assessment can be more complex and needs clear interpretation.

Trust Structures

Family trusts, unit trusts, and business trusts where income distribution, retained profits, and tax positioning need to be presented correctly to lenders.

Side Hustle & Multi-Income Earners

Sunshine Coast business owners combining PAYG employment with ABN income, rental income, or project-based work.

Our process

01.

Understanding You

Everything begins with a proper conversation. No generic forms, no assumptions, and no “tick-the-box” lending approach.

We take the time to understand how your Sunshine Coast business earns its income — whether that’s a mix of ABN work, contracts, seasonal income, dividends, or director drawings. We also look at how consistent your cash flow is, what your business plans are, and where you want to head next.

You’ll also have preferences around lenders, including whether you prefer the stability of a major bank or the flexibility of a specialist lender that understands self-employed structures. We take all of this into account before shaping your lending strategy.

02.

Assessing Your Position

Self-employed income rarely fits into a simple payslip. We dig deeper.

We review your BAS statements, tax returns, profit-and-loss reports, bank statements, and any income variations that need clear explanation. This gives us a complete, lender-ready picture of your borrowing capacity. For Sunshine Coast clients, we also factor in local property values, market movements, and lender appetite in specific suburbs from Noosa and Peregian to Buderim, Caloundra, and the Hinterland so we can position your application accurately from the start.

03.

Planning and Matching

This is where your lending strategy starts to take shape.

We compare policies, structures, and rates from over 60 lenders — 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 objectives.We look beyond the rate and focus on the loan structure that supports your cash flow, tax position, and future plans, whether you’re refinancing, releasing equity, investing, or purchasing your next home on the Sunshine Coast.

04.

Ongoing Support

Your business will evolve and so will the lending landscape. Interest rates shift, lender policies change, and new opportunities emerge.

We don’t wait for you to call us. We proactively review your loan when the market moves, when lenders adjust their policies, or when a sharper or more flexible option becomes available. Whether that means switching to a better lender, restructuring for tax efficiency, or freeing up cash flow, we make sure your lending continues to align with your personal and business goals.

Why us

Why Sunshine Coast Business Owners Choose Write Finance

Write Finance is trusted by business owners, contractors, and self-employed professionals across the Sunshine Coast who want lending advice that cuts through complexity and makes sense of their real financial position. Self-employed home loans require a different level of detail. 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 grounded in strategy, not sales. You’ll speak directly with senior mortgage broker Mark Tran, who specialises in self-employed lending, understands the challenges Sunshine Coast business owners face, and provides clear, personalised guidance from the first call through to settlement. Write Finance operates under LMG Broker Services Pty Ltd (ACL 517192), giving you the confidence of full compliance and a service approach built on transparency, clarity, and long-term support.

$150M
in Loans Approved

Home, investment, and self-employed lending results delivered across the Sunshine Coast and Southeast Queensland.

400+
Clients Supported

From initial strategy to post-settlement check-ins, we’re with you at every stage of your lending journey.

200+
Self-Employed Clients Financed

Strong experience working with sole traders, contractors, company directors, partnerships, and trust structures.

Income Types Banks Accept

Banks assess self-employed income differently from PAYG applicants. Instead of relying on a simple payslip, lenders assess multiple income sources, business structures, and documentation to determine your true borrowing capacity. We help Sunshine Coast business owners present these income types clearly, so lenders see the full financial picture not just the surface numbers.

Sole Trader Income

Lenders review your tax returns, BAS statements, profit-and-loss reports, and business bank statements to confirm revenue stability and allowable addbacks.

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.

Multiple Income Streams

If you earn from contracts, PAYG work, a company, a trust, or side ventures, we structure your application so lenders clearly understand how the income fits together.

Company Director Income

Banks assess salaries, dividends, retained earnings, and the business’s overall profitability. Some lenders average two years of financials, while others may use the most recent year if income is improving.

Trust Distributions

Income distributed from 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, one-off expenses, interest addbacks, or business adjustments increasing your assessed borrowing capacity.

Verification Documents

Lenders assess self-employed income very differently from PAYG applicants. Having the right documentation prepared and presented clearly can significantly strengthen your approval position. These are the documents we help Sunshine Coast business owners prepare before lodging a self-employed home loan application.

Tax Returns & Financial Statements

Most lenders require up to two years of personal and business tax returns, along with full financials. Some specialist lenders may accept one year if your income is trending upward or if your business shows strong performance indicators.

BAS Statements

For borrowers with newer trading histories or fluctuating income, BAS statements help demonstrate real-time revenue, quarterly performance, and business activity levels.

Profit & Loss Reports

Your P&L helps lenders assess seasonal income patterns, ongoing revenue, business expenses, and allowable addbacks that may increase your borrowing capacity.

Business Bank Statements

Bank statements confirm consistent cash flow, business activity, spending patterns, and how income actually moves through your accounts.

Accountant Declarations

Some lenders accept accountant letters to verify income, clarify complex structures, confirm recent performance, or explain adjustments not visible in standard financials.

Trust & Company Documents

If you trade through a company or trust, lenders may request trust deeds, company constitutions, distribution statements, or ASIC records to confirm ownership, structure, and income flow.

Invoices & Contract History (for contractors)

Contractors, freelancers, and subcontractors may use recent invoices, remittance summaries, or contract agreements to prove active work, demand, and income stability.

Testimonials

What Our Clients Say

Real feedback from Sunshine Coast business owners and self-employed clients who’ve partnered with Write Finance.
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.

Sunshine Coast FAQs

Many Sunshine Coast business owners have income that fluctuates with tourism, seasonal demand, or contract cycles. Lenders often misread this as instability. Add in common tax-minimisation strategies and multiple income streams, and your true borrowing capacity can be easily underestimated. We help present your financials clearly so lenders see the strength behind the numbers — not just the dips and spikes.

Lenders usually want tax returns, BAS statements, profit-and-loss reports, business bank statements, and sometimes trust deeds or company financials. For Sunshine Coast clients — builders, tradies, creatives, tourism operators, wellness professionals — we make sure your documents reflect how your business actually performs, not just what’s reported on paper.

Low-doc loans rely on BAS, bank statements, accountant declarations, or income estimates instead of full financials. They’re popular with Sunshine Coast contractors, small business owners, and ABN sole traders who have strong turnover but limited paperwork. Each lender treats these loans differently, so choosing the right fit is critical to avoid higher rates or unnecessary hurdles.

Sometimes — yes. Many Sunshine Coast clients come from local trades, hospitality, fitness, or professional services and have only recently moved to ABN income. Some lenders will accept 12 months of trading if your BAS statements are strong, if you previously worked in the same industry, or if your income trend is rising. We match you with lenders comfortable with shorter trading histories.

Depending on your income pattern, you may qualify for full-doc, alt-doc, or low-doc loans. Sunshine Coast clients often choose structures that support variable cash flow — such as flexible variable rates, offset accounts, or interest-only for investment properties. We recommend options that protect your cash flow while helping you buy, upgrade, or invest locally.

Clean, accurate financials make a difference. Keeping BAS up-to-date, reducing short-term debts, showing stable business banking patterns, and clearly documenting addbacks like depreciation can significantly improve your borrowing position. We help Sunshine Coast clients package everything so lenders understand the real strength of your business.

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.

Yes — self-employed borrowers can access the same grants and concessions as any other Sunshine Coast buyer, including the First Home Owner Grant (where eligible) and available stamp duty concessions. Eligibility is based on the property, residency, and purchase price — not your employment structure. We help you confirm what applies to your situation.

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How Self Employed Home Loans Work

Self-employed home loans are assessed differently because lenders look past simple payslips. They review how your Sunshine Coast business earns, how stable your income is, and what your financials actually show. Our role is to break this down clearly, structure your application in the strongest possible way, and guide you through each step so the loan supports both your cash flow and long-term property goals.

How Write Finance Helps

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How Write Finance Helps and Borrowing Capacity for Self Employed

Discovery and Goal Setting

We start by understanding your goals whether you’re buying your first home, upgrading, investing, or refinancing to free up cash for business growth. For self-employed borrowers, we look deeper into how your income is earned, whether through a company, trust, contractor income, or multiple revenue streams. This allows us to present your position to lenders in the most accurate and favourable way.

Documentation and Preparation

Self-employed clients often need more than basic payslips and bank statements. We help you prepare the documents lenders actually want to see, including 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.

Borrowing Capacity Assessment

We use lender-specific tools — not generic online calculators — to model your borrowing capacity across multiple banks and non-bank lenders. For business owners, this includes factoring in addbacks such as depreciation, one-off expenses, interest adjustments, and retained earnings that meaningfully increase usable income. We also consider your existing debts, living expenses, and projected rate movements to give you a realistic, forward-looking figure.

Lender Comparison and Recommendation

Every lender assesses self-employed borrowers differently. We compare policies and outcomes from over 60 lenders, identifying where you can borrow effectively without sacrificing favourable terms. This includes finding lenders who: • Accept your structure (company, trust, sole trader) • Understand variable or seasonal income patterns • Offer flexible documentation pathways (alt-doc / low-doc where appropriate) • Support your Sunshine Coast property goalsYou receive a clear recommendation based on strategy, structure, and long-term suitability — not just the rate.

Strategy to Maximise Borrowing Power

If your borrowing power isn’t where you need it to be, we outline practical steps to improve your position before applying. This may include restructuring existing loans, adjusting how income is paid to you, reviewing debt positions, or preparing documentation that better reflects your business performance. Our goal is to help you enter the lending process with the strongest possible position, without compromising your cash flow.

Suburbs Supported Across the Sunshine Coast

We support self-employed clients and business owners across the entire Sunshine Coast region, from the northern coastal communities to the hinterland and southern corridors.

Northern Sunshine Coast
  • Noosa Heads
  • Noosaville
  • Tewantin
  • Cooroibah
  • Sunshine Beach
  • Marcus Beach
  • Peregian Beach
  • Peregian Springs
  • Coolum Beach
  • Mount Coolum
  • Yandina
  • Yandina Creek
  • Valdora
Central Sunshine Coast
  • Maroochydore
  • Alexandra Headland
  • Mooloolaba
  • Buderim
  • Kuluin
  • Kunda Park
  • Cotton Tree
  • Mountain Creek
  • Forest Glen
  • Sippy Downs
  • Tanawha
  • Mons
Coastal Strip
  • Birtinya
  • Bokarina
  • Warana
  • Wurtulla
  • Currimundi
  • Dicky Beach
  • Moffat Beach
  • Kings Beach
  • Caloundra
  • Golden Beach
  • Shelly Beach
Southern Sunshine Coast
  • Aura / Baringa
  • Nirimba
  • Bells Creek
  • Beerwah
  • Landsborough
  • Mooloolah Valley
  • Glenview
  • Beerburrum
  • Peachester
Western / Hinterland
  • Maleny
  • Montville
  • Mapleton
  • Flaxton
  • Palmwoods
  • Woombye
  • Nambour
  • Rosemount
  • Eudlo
  • Ilkley
  • Hunchy

Ready to move forward with your loan?

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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.

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No cost. No obligation. Just clear guidance tailored to your business income.