Smart lending for sole traders, contractors and company directors
Working for yourself should not cost you a home loan. APW Finance is a Self Employed Home Loan Broker in Sydney for sole traders, contractors, freelancers and company directors across NSW.
The problem is rarely income. It is presentation. Good accounting minimises taxable profit, and a lender reading that same return sees a borrower who apparently earns very little.
A broker for low doc home loans closes that gap by presenting the business properly. The documentation routes available depend on how long you have traded and what you can evidence:
Add-backs are where most capacity is won or lost. Depreciation, additional superannuation, one-off expenses, interest on debts being refinanced and retained company profits can each be argued back in.
Not every lender accepts every add-back, and the difference between the most and least generous is frequently six figures of borrowing capacity on the same set of financials.
Our guides to add-backs and borrowing without payslips set out what lenders will and will not accept.
Timing matters as much as documentation. Applying in July with a fresh return behind you is a different conversation to applying in May on figures that are nearly two years old.
We give you a written position before anything is lodged, covering which documentation route suits, the realistic borrowing figure and whether waiting one quarter would materially improve it.
Credit conduct carries extra weight for self-employed applicants. Lenders read your business and personal accounts closely, and regular overdrawn balances undo an otherwise strong file.
An outstanding ATO position is not automatically fatal either. Several lenders fund around a documented payment arrangement that is being met, and we raise it up front rather than letting it surface late.
Three clean months of statements before applying is the single cheapest improvement most business owners can make. It costs nothing and it changes how a credit assessor reads everything else in the file.
Borrow without a full set of financial statements, using BAS, business bank statements or an accountant declaration instead. Pricing sits slightly above full doc, and the plan should always be to refinance back once your returns catch up.
Lenders that understand self-employment read turnover, deposits and trading consistency rather than declared net profit alone. That distinction routinely decides whether a file is approved or declined at the same income level.
A smaller deposit is achievable where turnover and trading history are strong. Mortgage insurance applies below 20%, though profession-based waivers reach some self-employed professionals in medical, legal and accounting fields.
We hold accreditation with non-bank and specialist lenders built for this exact borrower. As an ABN home loan broker Sydney business owners return to, we know which of them writes your industry and which quietly avoids it.
You built the business. A Self Employed Home Loan Broker in Sydney translates what it earns into a figure a credit team will actually accept, using the add-backs your own bank will never mention.
Send us your ABN, how long you have traded and your most recent returns or BAS. Your Self Employed Home Loan Broker in Sydney will confirm a realistic borrowing figure within one business day.
If your returns do not yet reflect the business, our guide to how many years of returns lenders need explains the alternatives.
Business activity statement requirements are published by the Australian Taxation Office.
APW Finance Pty Ltd delivers expert lending solutions with personalised service, empowering clients across residential, commercial, and business sectors.