The major banks dominate the home loan market, creating the perception that all lenders offer the same products, policies, and flexibility. In reality, lenders differ significantly—and understanding these differences can make all the difference when securing a loan, especially if you’re self-employed.
Lender policies and approval criteria are constantly evolving. What one lender may decline, another may accept—particularly when it comes to alternative income verification, such as bank statements or BAS statements, commonly used by self-employed borrowers.
This is where working with a knowledgeable mortgage broker becomes invaluable. At Self Employed Finance, we stay up to date with changing lender policies to ensure you’re matched with a lender that understands your unique situation.
Home loan finance is a tightly regulated industry. Choosing the wrong lender or loan product can limit your borrowing capacity, delay your goals, or result in unnecessary costs such as higher interest rates or Lenders Mortgage Insurance (LMI).
Whether you’re purchasing your first home, refinancing, or investing in property, it’s essential to get the loan structure right from the start. That’s why we take the time to understand your financial position and match you with the most appropriate lender and loan product.
Your home loan is likely the largest financial commitment you’ll make. Don’t leave it to chance. At Self Employed Finance, we’re here to guide you every step of the way—ensuring the loan works for you, not just for the bank.
Book a free consultation today and take control of your financial future with expert, personalised advice.