Business Owner / Self Employed

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.
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.
EXCELLENT Based on 46 reviews shailesh V28. November, 2023Trustindex verifies that the original source of the review is Google. Alf and team have been very easy to deal with. They are knowledgeable with providing their services as well as guidance on what needed to be done next… we could have not asked for any better after we found Proteger Financial Solutions. Alf and team made sure we got the best rates in this ever-rising interest rate market. We can only praise their performance and the continued communication even on their time off while we had tight deadlines. They definitely know what they are doing and I would not hesitate recommending them to anyone. Thank you very much Proteger! rasik pindoria4. November, 2023Trustindex verifies that the original source of the review is Google. Great work by Alf and team. Proactive, knows the timeframes and deadlines to meet. Despite other unprecedented challenges we had that kept pushing finance further, Alf guided us through the journey. Alf recommended and advised us on the best options available in the market. Flexible to meet client pre/post work hours. Highly recommended. Brett Thompson1. November, 2023Trustindex verifies that the original source of the review is Google. Alf Kandiah, from Proteger Financial Solutions, conducted a full review of our corporate finance facilities in order to secure better facilities and terms for our business. I was super impressed with Alf's network of contacts within the banking sector, which made it possible to deal with the right people and get better terms and rates than I would've expected. Alf was relentless in squeezing the banks for the very best terms, so much so that he exceeded our expectations when it came to interest rates on our borrowings. Alf was very easy to deal with and always responded very quickly. I cannot recommend Alf and Proteger highly enough. Anu Kadurugamuwa6. October, 2023Trustindex verifies that the original source of the review is Google. Proteger Financial Solutions helped us purchase our home. Throughout the process, they were professional, engaged and committed to delivering the best solution to fit our needs. Niranjan, who handled our application, went above and beyond to guide us through the process, and his expertise, approachability and professionalism made things stress-free. Our thanks to Niranjan and the team! Suneel Vaghjiani7. August, 2023Trustindex verifies that the original source of the review is Google. Helpful advise from the team(Alf). Great communication and assisted through settlement. Highly recommend Proteger Financial Solutions to family and friends. Ashlei Otway22. June, 2023Trustindex verifies that the original source of the review is Google. Right when I had given up on getting into a home that was right for us, Rob was recommended to us and then the perfect property fell into our lap. It wasn't an easy process from beginning to end but Rob and his team took away the stress and worked through every road block we encountered with incredible patience and efficiency. I would not hesitate to recommend Rob and the team to help you with all your finance needs. Thank you very much once again, we will be forever grateful. Matt & Ash Korri Edwards21. June, 2023Trustindex verifies that the original source of the review is Google. Polite and efficient, and able to overcome the hurdles that presented themselves at settlement. Thanks Rob:-) Justin Ward-Dickson19. June, 2023Trustindex verifies that the original source of the review is Google. Alf made a daunting task an easy and pleasant experience. He took out all the stress normally associated with obtaining finance and walked us through every step, in fact he did most of the work for us. I have no hesitation recommending Proteger for all of your finance needs . Bhavesh Panchani8. June, 2023Trustindex verifies that the original source of the review is Google. Excellent and very professional service by the Proteger Financial Team. Alf Kadaai was brilliant and did an outstanding job with recommending options, following up on my documents and advicing me to choose the best solutions at every stage of purchasing in such a difficult time in the market at the moment. I would like to Thank you and your team for the wonderful professional service you have provided!🙏🙏 Chris Williams7. May, 2023Trustindex verifies that the original source of the review is Google. I recently had Niranjan Kandiah assist with some bridging finance for my downsizing grandparents. I could not have asked for better service. Niranjan promptly found a suitable lender and was willing to put himself out to ensure that a loan with some unorthodox features was arranged and settled within a tight timeframe. I would readily recommend to anyone needing assistance in this space.
