.png)
.png)
.png)
Australia's Self Employed Home Loan Specialists
At Sole Trader Finance, we're changing how self employed Australians access home loans. We specialise in low
documentation home loans - connecting sole traders, company directors, freelancers and small business owners
with licensed mortgage brokers who understand non-traditional income.
We know the standard bank process overlooks the realities of self employment: variable income, recent ABNs,
retained business profits, accountant-structured earnings. That's why our partner brokers focus on what really
matters - your actual financial position and your goals. Even if a bank has already turned you away, there's
almost always a path forward through a low doc home loan or alternative income verification.
Our network includes over 45 lenders offering tailored solutions across self employed home loans, low doc
refinance, ABN home loans, equipment finance and investment property loans. Whether you have a full set of
financials, only BAS statements, business bank statements or an accountant declaration - we'll help you find a
lender who works the way you do.
At Sole Trader Finance, we believe in opportunities where others see obstacles.
.png)
Your Path to Funding, No Matter Your Documentation
Low Doc Home Loans
Apply for a mortgage with limited paperwork — using BAS, business bank statements or an accountant declaration
instead of two years of tax returns.
Home Loans Without Tax Returns
Alternative income verification for self employed Australians whose tax returns don't reflect their true earning
capacity.
ABN Home Loans
Recently self employed? You may qualify for an ABN home loan with as little as 6 months of ABN activity.
First Home Buyer Loans
Specialist support for self employed first home buyers - including ABN holders and sole traders entering the
property market.
Self Employed Refinance
Lower your rate, consolidate debt or unlock equity with a low doc refinance designed for business owners and sole
traders.
Investment Property Loans
Low doc investment property loans for self employed investors building or expanding their portfolio.
SERVICES
Why Self Employed Australians Choose Sole Trader Finance
Competitive Rates Across 45+ Lenders
We compare over 45 lenders so our broker partners can find you the sharpest low doc home loan rate available for your situation.
Specialist Low Doc Lenders
Our network includes lenders who actively want self employed business - meaning higher approval rates and
faster decisions on low doc and ABN home loans.
Flexible Income Verification
Use an accountant letter, BAS statements, business bank statements or your ABN income - whatever fits how
your business actually operates.
Who We Help
Our partner brokers specialise in home loans for
Sole traders and freelancers across Australia
ABN holders (including those self employed for as little as 6 months)
Self employed first home buyers and property investors
Small business owners and company directors
Business owners declined by major banks
Contractors, consultants and tradies
Self employed Australians with ATO debt or irregular income
We’re Good with Numbers
100%
92%
commitment to finding solutions where traditional banks may fall short.
Of applicants matched with a self employed home loan specialist within one business day.
70%
Of our clients are sole traders.
45+
Lenders compared to find your best low doc home loan option.
TESTIMONIALS
Frequently asked questions
Talk to a Self Employed Home Loan Specialist
Ready to explore your options? Submit your details and we'll connect you with a licensed self employed mortgage
broker who understands your situation. No obligation, no credit score impact - just clear answers from a
specialist.
Takes 2 Minutes, No Obligation, No Credit Score Impact, Licensed Brokers Only
CONTACT US
We’re here to help you explore your finance options. For a fast response, please fill out the contact form.
Alternatively please contact -
E - info@soletraderfinance.com.au
P - 03 7057 2830
Submit your details today and take the first step toward achieving your financial goals.
