Business Owner / Self Employed

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Home Loans For Self Employed / Business Owners

Are you a business owner or self-employed professional? At Proteger Financial Solutions, we are also self-employed so we understand the unique financial landscape you navigate. Securing a loan may seem daunting, but with our expertise, we simplify the process and provide tailored solutions to turn your dreams into reality.

Whether you are wanting to purchase a home to live in, refinance or consolidate your loans. You can be confident that Proteger Financial Solutions is dedicated to crafting financial solutions that align with your unique circumstances. Let us handle the complexities, allowing you to focus on running your business and turning the key to your dream home. Contact us today to explore the possibilities and secure a brighter future for you and your business.

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    Diverse Financing Options

    Proteger Financial Solutions recognises the diverse financial situations of business owners and self-employed individuals. We offer a range of financing options to suit your specific needs:

    Low-Doc Loans

    Designed for those with variable income streams, low-doc loans require minimal documentation, making the application process more accessible for the self-employed.

    Specialised Loan Packages

    Benefit from our expertise in curating specialised loan packages for business owners. These packages consider the nuances of your financial situation, providing a customised approach to home financing. 

    Debt Consolidation

    Consolidate your personal debts, even consolidate your business or ATO debts to improve your debt costs.

    Check your new repayments

    Purchase

    Purchase of an owner-occupied property, investment property or a purchase within your Self Managed Superannuation Fund.

    Check your new repayments

    Refinance

    Refinance existing loans to obtain a better interest rate or repayment terms.

    Check your new repayments

    Why Choose Proteger Financial Solutions?

    While navigating the mortgage market independently might be tempting, partnering with Proteger Financial Solutions offers a multitude of benefits:

    Our team of experienced finance brokers specialises in working with business owners and self-employed individuals. We understand the intricacies of your financial situation, providing targeted advice for your unique circumstances.

    Proteger Financial Solutions has established relationships with various lenders, giving you access to a diverse range of mortgage products. This ensures you get the best possible terms and rates tailored to your needs.

    We simplify the application process, saving you time and stress. Our expertise allows us to navigate the complexities of mortgage applications efficiently, ensuring a smoother experience for our clients.

    Leveraging our industry knowledge, we negotiate on your behalf to secure favourable terms. This includes interest rates, repayment schedules, and any additional conditions, ensuring the most advantageous outcome for you.

    We offer a great range of home loan solutions.

    FAQ's

    A self-employed home loan is designed for Australians running their own businesses who may not have traditional income documentation, such as payslips, required by standard lenders.

    Self-employed loans often have more flexible documentation requirements, including accepting alternative income verification like bank statements, BAS statements, or accountant letters.

    Most business structures are eligible, including sole traders, partnerships, and company directors. Lenders evaluate eligibility based on your business’s financial health and income stability.

    Yes, some lenders in Australia offer loans to businesses that have been operating for as little as 6–12 months. However, more established businesses often receive access to better terms and rates.

    Required documentation can include:

    • Personal and business tax returns
    • BAS statements
    • Business and personal bank statements
    • Accountant letters confirming income

    Lenders calculate your income based on net profit and any salary drawn from the business. Many lenders average your income over two years to account for fluctuations.

    Yes, lenders understand income variability among self-employed borrowers. They may average your income over time or use alternative documentation to verify your ability to repay the loan.

    Maintain clear and up-to-date financial records

    Work with an accountant for accurate income reporting

    Reduce existing debts before applying

    Regularly review your financial position

    Maintain a cash reserve for unexpected situations

    Seek guidance from a financial advisor to optimise your cash flow

    While requirements vary, most self-employed borrowers will need at least a 10–20% deposit. If your deposit is less than 20%, Lenders Mortgage Insurance (LMI) may be required.

    Self-employed borrowers can access:

    • Full-doc loans (comprehensive income documentation required)
    • Low-doc loans (alternative income verification)
    • Interest-only loans for better cash flow management

    Yes, low-doc loans are specifically tailored for self-employed individuals, providing more flexibility in income documentation.

    Absolutely! Refinancing can help you secure better rates, access equity, or consolidate debts. Lenders will reassess your financial position as part of the process.

    Yes, some lenders allow you to refinance business debt into your home loan, helping you consolidate and reduce costs. We strongly recommend seeking professional advice from a financial or tax advisor before making this decision.

    It depends on your financial goals. Fixed rates provide repayment stability, while variable rates offer flexibility if interest rates decrease.

    Self-employed borrowers may encounter:

    • Difficulty demonstrating stable income
    • Stricter documentation requirements
    • Navigating more complex lending criteria

    If you’re facing repayment difficulties, contact your lender (and broker) immediately. Many lenders offer relief options, such as repayment pauses or interest-only periods.

    Ready to Get Started? 

      (08) 6246 2680