• Self-Employed Mortgage Broker Townsville

Your Townsville mortgage broker for self-employed home loans

Self-employed income doesn’t follow a standard payslip, and your home loan shouldn’t either.
We help Townsville business owners, sole traders, contractors, and company directors secure self-employed home loans using lending strategies that reflect real income, not just taxable income.

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We help Townsville 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 seasonal, project-based, or fluctuates year to year
  • Structuring loans around real cash flow, retained earnings, or director drawings
  • Accessing self-employed, low-doc, and alt-doc home loan options when traditional banks fall short
  • Refinancing to improve cash flow, reduce repayments, or consolidate business debt
  • Building long-term lending strategies that support both business stability and lifestyle goals
  • Our Expertise in Self-Employed Lending
Strategic Lending Advice

Practical lending guidance for Townsville business owners with layered, seasonal, or irregular income. We help clarify how lenders assess your financials so your true earning capacity is presented accurately, not simplified or misunderstood.

Townsville Market Insight

From North Ward and South Townsville to Kirwan, Douglas, and the wider North Queensland region, we understand local property values, postcode sensitivities, and lender appetite in regional markets influenced by mining, defence, healthcare, and trade industries.

Lender Access for Self Employed Borrowers

With access to more than 60 lenders, including self-employed and regional specialists, we identify options that suit your business structure, documentation, and income pattern, giving you more flexibility and stronger approval outcomes.

Business-Led Planning

We build lending strategies around your business performance and cash flow, not a generic bank template. Your loan structure is designed to support confident borrowing, stability, and long-term growth as your business evolves.

Documentation Support

We prepare the paperwork lenders want to see, including BAS, P&L, tax returns, bank statements, and financials, packaged clearly to strengthen your approval position and reduce back-and-forth during assessment.

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  • 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 how your Townsville business earns income. You get more choice, more flexibility, and loan structures that reflect real cash flow and trading performance, not just taxable figures. This is especially important for regional borrowers where income can vary by project cycles, industry demand, or seasonal work.

  • Our Capabilities

Specialist Home Lending Support for Townsville Business Owners

Self-Employed Home Loans

Whether your income comes through a sole trader ABN, company, trust, or multiple revenue streams, we match you with lenders who understand self-employed structures and regional income patterns common in Townsville. Your application is packaged so lenders assess your true earning capacity, not a simplified version of it.

Business Owner Refinancing

For Townsville sole traders, trades, contractors, and service-based businesses, refinancing involves more than chasing a lower rate. We restructure lending around cash flow, allowable addbacks, and income consistency to improve borrowing capacity, reduce repayments, or consolidate business debt where appropriate.

Property Investment Loans

Townsville’s property market operates differently to metro areas. We help business owners structure investment lending that considers local values, rental demand, postcode policies, and self-employed income assessment, supporting long-term portfolio growth without over-stretching cash flow.

Types of Self-Employed Clients We Work With

Townsville 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 Townsville and North Queensland, including:

Sole Traders

Trades, mobile service providers, tourism operators, transport operators, personal trainers, creatives, and professionals operating under their own ABN. We help sole traders present income clearly, even where earnings are seasonal or project-based.

Company Directors

Business owners earning income through salaries, dividends, retained earnings, or director loans across industries such as construction, mining services, logistics, healthcare, hospitality, and professional services common in the Townsville region.

Contractors & Subcontractors

Electricians, builders, plumbers, engineers, defence contractors, delivery drivers, consultants, and project-based workers earning via invoices or contracts with variable income patterns.

Partnerships

Businesses with shared ownership structures where income distribution and lender interpretation can vary. We ensure partnership income is presented clearly so borrowing capacity isn’t understated.

Trust Structures

Family trusts, unit trusts, and business trusts where income distribution, retained profits, and tax strategies must be packaged correctly for lenders to understand the full financial position.

Side Hustle & Multi-Income Earners

Clients combining PAYG income with ABN work, rental income, investment income, or seasonal work common across regional North Queensland, structured so lenders can assess total income accurately.

How Our Self-Employed Lending Process Works

01.

Understanding You

Every strong lending strategy starts with a real conversation.
We take the time to understand how your Townsville business earns income, how stable it is, and where you want to head financially. This includes understanding your industry, contract cycles, seasonal patterns, and future plans.

02.

Assessing Your Position

We review your tax returns, BAS, P&L reports, bank statements, and income variations to build a lender-ready picture.
Local factors such as Townsville property values, postcode policies, regional lending appetite, and industry risk are factored in from the start.

03.

Planning and Matching

We compare policies, structures, and outcomes across more than 60 lenders.
The focus is on loan structures that support cash flow, tax efficiency, and long-term goals — not just chasing the lowest rate. Your loan is matched to how your income actually works.

04.

Ongoing Support

Your business will evolve and lending conditions change.
We proactively review your loan over time, helping you refinance, restructure, or optimise as better opportunities emerge, ensuring your lending continues to support your business and lifestyle in Townsville.

Why Townsville Business Owners Choose Write Finance

Write Finance is trusted by self-employed borrowers across Queensland who want lending advice that cuts through complexity.

You’ll work directly with senior mortgage broker Mark Tran, who specialises in self-employed lending and understands the challenges business owners face.

We operate under LMG Broker Services Pty Ltd (ACL 517192), providing full compliance assurance and a transparent, client-first experience from strategy through to settlement and beyond.

$150M
in Loans Approved
400+
Clients Supported

Guidance from strategy to settlement and beyond.

200+
Self-Employed Clients Financed

Experience across sole traders, contractors, company directors, partnerships, and trust structures.

Documents Lenders Need for Self-Employed Home Loans

Self-employed income isn’t assessed the same way as PAYG. Townsville lenders look closely at business performance, cash flow, income consistency, and how your finances are structured. Having the right documents prepared and presented properly can significantly improve your borrowing capacity and approval outcome.

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 if income is strong and trending positively.

BAS Statements

For newer businesses or fluctuating income, BAS statements help demonstrate real-time revenue, quarterly performance, and ongoing business activity.

Profit & Loss Reports

A current P&L helps lenders assess income patterns, business expenses, seasonal fluctuations, and allowable addbacks that may increase borrowing capacity.

Business Bank Statements

Bank statements confirm cash flow consistency, spending behaviour, and how income actually moves through your accounts. Lenders use these to validate that declared income matches real trading activity.

Accountant Declarations

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

Trust & Company Documents

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

Invoices & Contract History (for contractors)

Contractors, freelancers, and subcontractors may need to provide recent invoices, remittance summaries, or contract agreements to demonstrate active work, demand, and income consistency.

Testimonials

What Our Clients Say

Real feedback from self-employed borrowers and business owners across Queensland 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.

Townsville FAQs for Self-Employed Borrowers

Townsville has a high proportion of self-employed workers in construction, defence support, transport, mining services, healthcare, and contracting roles. According to ABS data, over 33% of employed people in regional North Queensland work in non-standard or project-based roles, which often leads to income variability.

Lenders can misinterpret this as risk when:

  • Income fluctuates between projects or seasons
  • Profits are retained in the business for cash flow
  • Tax minimisation reduces taxable income on paper

Without correct structuring, true borrowing capacity is often understated even when the business is performing strongly.

Most lenders assess self-employed borrowers using a combination of documents to understand income stability and cash flow, not just taxable income.

Commonly requested documents include:

  • Personal and business tax returns (1–2 years)
  • BAS statements (often 4–6 quarters)
  • Profit and loss reports
  • Business bank statements (6–12 months)
  • Accountant declarations (in some cases)

Some lenders active in regional North Queensland will accept one year of financials if income is trending upward and the industry is considered stable.

Yes, low-doc and alt-doc loans are commonly used by Townsville borrowers with strong cash flow but non-traditional income patterns.

These loans typically:

  • Verify income via BAS, business bank statements, or accountant letters
  • Require larger deposits (often 20–30%)
  • Carry slightly higher interest rates than full-doc loans

They’re particularly relevant for contractors, trades, and business owners reinvesting profits rather than drawing high salaries.

In some cases, yes. While many lenders prefer two years of trading history, exceptions are common in Townsville, especially for borrowers who:

  • Recently transitioned from PAYG to contracting
  • Operate in defence, construction, or essential services
  • Can show consistent income over 6–12 months

With the right lender and documentation, approval is possible earlier than most borrowers expect.

Strong approvals usually come down to preparation and lender selection.

Key factors that improve outcomes include:

  • Clean, consistent business bank statements
  • Well-prepared BAS and financials
  • Reasonable existing debt levels
  • Income presented in a lender-friendly structure
  • Applying with lenders experienced in regional Queensland markets

Timing applications after strong quarters or financial years can also materially improve borrowing capacity.

Yes. Self-employed borrowers are eligible for the same Queensland government grants and stamp duty concessions as PAYG buyers, provided standard criteria are met.

The key difference is serviceability assessment. Proper income structuring ensures:

  • Grant eligibility isn’t affected
  • Borrowing capacity isn’t unnecessarily reduced
  • Applications aren’t delayed or declined due to documentation gaps
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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 Townsville business earns income, how consistent that income is over time, and whether your financials reflect your true earning capacity.

Lenders assess a combination of documents including tax returns, BAS, bank statements, profit and loss reports, and business structures to build a full picture. They also consider regional factors specific to Townsville, such as postcode lending policies, property values, and industry stability across sectors like construction, defence, healthcare, trades, tourism, and logistics.

For self-employed borrowers, taxable income alone rarely tells the full story. The way income is structured, retained, or reinvested can significantly impact borrowing capacity. The key is presenting your financials clearly so lenders understand how your business actually performs, not just what appears on paper.

How Write Finance Helps

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How Write Finance Helps Increase Borrowing Capacity for Self-Employed Townsville Borrowers

Discovery and Goal Setting

We start by understanding your goals, whether you’re buying your first home, upgrading, investing, or refinancing to improve cash flow. For Townsville business owners, we look deeper into how income is earned through sole trader structures, companies, trusts, contracting work, or multiple income streams. This ensures your application is positioned accurately within the Townsville lending landscape.

Documentation and Preparation

Self-employed borrowers need more than standard payslips and bank statements. We help prepare the documents lenders actually assess, including:BAS statementsBusiness and personal tax returnsProfit and loss reportsBusiness bank statementsAccountant declarationsStrong preparation reduces lender questions, prevents under-assessment of income, and strengthens your position from the outset.

Borrowing Capacity Assessment

We use lender-specific servicing tools rather than generic online calculators. This allows us to factor in:Allowable addbacks such as depreciation and one-off expensesRetained earnings and director drawingsExisting debts and living expensesInterest rate buffers and future rate changesThis results in a realistic, forward-looking borrowing estimate aligned with how Townsville lenders actually assess self-employed applications.

Lender Comparison and Recommendation

Every lender treats self-employed borrowers differently. We compare policies across more than 60 lenders to identify those that:Accept variable or seasonal incomeUnderstand company, trust, and sole trader structuresOffer low-doc or alt-doc options where appropriateYou receive a clear recommendation based on long-term suitability, borrowing flexibility, and how your income genuinely works, not just the lowest rate.

Strategy to Maximise Borrowing Power

If your borrowing capacity isn’t where it needs to be, we outline practical steps to improve it before applying. This may include:Restructuring existing debtAdjusting how income is paid or retainedStrengthening financial documentationImproving how business performance is presentedThe goal is to help you enter the lending process in the strongest possible position, without compromising cash flow or business stability.

Suburbs & Towns Supported Across Townsville

We support self-employed borrowers, sole traders, and business owners across Townsville and North Queensland. Whether you’re buying, refinancing, or investing, we provide lending advice tailored to local property values, lender postcode policies, and the way income is earned across the region.

Townsville City & Coastal Suburbs
  • Townsville City
  • North Ward
  • South Townsville
  • Belgian Gardens
  • Rowes Bay
  • Pallarenda
  • West End
  • Hermit Park
  • Railway Estate
Northern Townsville & Beaches
  • Bushland Beach
  • Mount Low
  • Deeragun
  • Bohle Plains
  • Bluewater
  • Toolakea
  • Saunders Beach
Southern Townsville & Surrounds
  • Idalia
  • Oonoonba
  • Wulguru
  • Stuart
  • Cluden
  • Alligator Creek
Inland, Regional & Lifestyle Areas
  • Woodstock
  • Ross River
  • Calcium
  • Majors Creek
  • Nome
  • Reid River

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.