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Self Employed Home loans

Running a Business? Your Home Loan Should Work the Way You Do

Most banks don’t understand self-employed income; we do. We help business owners get approved using proper financial analysis, not PAYG shortcuts.

Book My Self-Employed Loan Strategy Call

For Business Owners Who Don’t Fit the “Standard” Box

This is for you if you’re:

  • A business owner with income that fluctuates
  • Using a trust or company structure, the bank can’t interpret
  • Reinvesting profits back into your business
  • A sole trader trying to increase borrowing power
  • Someone who’s been declined because your income looked “too complex”
  • Wanting a clear, accurate assessment from people who specialise in business-owner lending

If your numbers confuse the banks, don’t worry, they make sense to us.

Check Borrowing Power

Why Banks Struggle With Self-Employed Clients

Banks often take your taxable income at face value – the number your accountant minimises for tax planning.
They overlook:

  • Depreciation
  • One-off expenses
  • Loan interest addbacks
  • Distributions
  • Voluntary super contributions

Your true earning capacity is usually higher, and they simply don’t know how to calculate it properly.

Trusts, companies, partnerships, multiple entities – these are normal for business owners.
But to many lenders, they’re unfamiliar territory.

Some brokers avoid these files entirely.
This is exactly the space we specialise in.

Incorrect income → declined
Missing documents → declined
Poor explanations → declined

Self-employed approvals require careful presentation.
We package your file clearly so credit teams understand your income and say yes.

How We Help Self-Employed Clients Get Approved

We don’t guess your income- we calculate it properly using full business analysis.

We specialise in:

  • Trust, company & partnership structures
  • Multi-entity income
  • Director wages + net profit + distributions
  • Addbacks and adjustments
  • Seasonal or fluctuating income
  • Tax-minimised financials

What We Use to Assess Your Real Income

  • Tax returns & financial statements
  • BAS statements
  • Business bank statements
  • Trust distribution records
  • Addback schedules (depreciation, one-off costs, interest, etc.)

Loan Features Designed for Business Owners

  • Borrow up to 95% LVR
  • Income accepted across trusts, companies, partnerships & sole traders
  • Faster approvals with well-packaged applications
  • Buy, refinance, invest, or release equity
  • Addbacks help increase borrowing power
  • Access to lenders who genuinely support business owners

You’re not a PAYG employee thus, your loan shouldn’t treat you like one.

Start Assessment

Why Work With Nigel Ferreira

400+ 5 Star Reviews
Award-winning broker
Self-employed lending specialist
Our income goes up and down. Nigel assessed it properly and the approval was straightforward.
We have multiple businesses. Nigel helped make sense of everything and we were able to buy our next property.
Two brokers couldn’t understand our trust setup. Nigel had it approved in days.

Business owners choose Successful Finance Group because we:

  • Fix issues caused by bank declines or inexperienced brokers
  • Understand complex structures and multi-entity income
  • Maximise borrowing power using correct addbacks
  • Match you with lenders who support business owners
  • Build long-term strategies for property and business growth
  • Deliver fast, clean approvals on files others consider “too hard”

If your structure confused someone else, you’re exactly the kind of client we help.

As Seen on

Successful Finance Group team kept us well Informed during all stages of the loan process.
We were given a number of great options, but Successful Finance Group’s experience and knowledge got us the best possible deal.
We were very happy with the service.

Dean Porter

Successful Finance Group has been very helpful in securing my home refinancing, Nigel and his team are easy to contact and will guide you through the whole process, will recommend to my friends.

Clarette S.

I had a seamless experience from start to finish. The service was professional, efficient, and exceeded my expectations. I’m a very happy customer and truly appreciated the attention to detail and friendly support throughout the process. I would definitely come back again and highly recommend this service to others!

New Purchase

Successful Finance Group helped us secure our property with ease and providing proper advice. We managed to secure a property after only working with him for less than 30 days

Ahmad Awamleh

Amazing Service with experienced advice

Nigel helped us secure our property with ease and providing proper advice. We managed to secure a property after only working with him for less than 30 days

New Purchase

Very helpful

Nigel is very knowledgeable in his field, very professional and clear communicator. He explained the process and made the process smooth and straightforward.

 

New Purchase
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Self-Employed Lending Is Tightening - Get Assessed Early

If you’re planning to buy, refinance or tap into equity, getting ahead of policy changes gives you more flexibility and better results.

Book your self-employed lending strategy session and get:

  • Clear borrowing power
  • A lender match based on your structure
  • Fast, accurate guidance
  • No pressure
  • Simple documents
  • Fast pre-assessment

Book your self-employed lending strategy session

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