Finance for Self-Employed Borrowers
Being self-employed doesn't need to make borrowing harder — it just means working with a broker who understands how lenders assess ABN income. At Brims Mortgage Solutions, we help sole traders, contractors and company directors across the Gold Coast secure finance that reflects the real strength of their business.
We know which lenders take a practical view of add-backs, retained earnings and shorter trading histories, and which have low-doc or alt-doc options. Whether it's a home loan, a business loan or an investment purchase, we build a submission that presents your position clearly.
Call us today on 0452 512 457 to discuss your finance options.
Self-Employed Loan Options
We match you to lenders that understand the reality of running your own business.
- Full-Doc Loans: Standard home loans using your latest two years of tax returns and financials — often at the sharpest rates available.
- Alt-Doc & Low-Doc Loans: Options for newer businesses or clients who don't yet have two full years of financials, using BAS statements, accountant declarations or business bank statements.
- Add-Back Advice: Structured submissions that clearly explain add-backs (depreciation, one-off costs, superannuation) to lift your assessed borrowing capacity.
- Personal & Business Finance: One point of contact across your home, investment and business borrowing so nothing gets missed.
How Lenders Assess ABN Borrowers
Lender policies for self-employed borrowers vary considerably — knowing which lenders take a practical view of non-standard income is as valuable as finding a competitive rate.
- ABN & Trading History: Most lenders require two years of ABN history and tax returns. Some non-bank lenders consider shorter periods supported by strong BAS statements.
- Income Add-Backs: Depreciation, trust distributions and one-off expenses may be added back to assessable income, which can meaningfully increase your borrowing capacity.
- Alt-Doc Options: Where two full years of tax returns are not available, alternative documentation loans can use BAS statements or an accountant's declaration as income evidence.
- Lender-Specific Policies: Some lenders handle self-employed applications more pragmatically than others — we know which ones suit common ABN structures and income patterns.