Melbourne’s Best Independent Mortgage Broker – available 7 days a week

What if We Finance

Finance for Self Employed Borrowers

Being self-employed does not mean your financial options are limited. As a self-employed borrower, you need a mortgage broker who understands you and your needs and can help you find the right lender. What If We Finance is available 7 days and with access to over 40 lenders can help you achieve your financial goals.

mortgage broker home shape
mortgage broker home shape

We are available 7 days a week 8.30 am to 9.30 pm

01

Chat to a broker

Our independent mortgage broker is available to chat to you online and help you find an unbeatable deal. Talk to a real mortgage broker today.

02

Call Us

Call us now on 03 8804 1354 to talk to a mortgage broker Melbourne and we can help you achieve your financial goals

03

Enquire

Alternatively, provide your contact information and a mortgage broker will contact you as soon as possible.

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About us

Self Employed Finance Made Simple

Most lenders require you to be self-employed for 2 years and have tax returns to prove income. There are some lenders who will work off one year of tax returns. In addition, have complex rules as to how they calculate self employed income. This is why you need to contact the mortgage broker What If We Finance to understand how much you can borrow.

What if I do not have tax returns?

If you do not have tax returns or financial statements you may be able to borrow with the help of low doc loans. Low doc loans do not require financial statements or tax returns to prove income. Low Doc loans rely on an accountant’s letter or Business Activity Statement (BAS) to prove income. Typically, the bank will want to see at least 12 months of Business activity Statements and use complex rules to determine your income.

Low doc lenders will typically lend up to 80% of the property value. Contact What If We Finance to find out more. Is Low Doc Rate Higher? Depending on the lender, your time in business and loan amount, Low Doc loans may have a higher rate than traditional loans. Interest rates may be between 1% and 2% per annum more expensive. Contact What If We Finance to find out more.

EXCELLENT
176 reviews on
Matthew B
Matthew B
2022-06-05
Looking at the reviews for What If We Finance, it comes at no surprise to see so many 5-stars. Spiro handled the mortgage part of my girlfriend and I purchasing our first home. He made himself available to us around the clock and ensured that we were across the entire process and felt as comfortable as possible. We're very fortunate to have gone about buying our first home with Sprio and we'd be more than happy to use him for future purchases and to refer on to family and friends. A big shout out to Agnes also who busily works away in the background and also does an incredible job. You guys are the best!
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hari gowtham
hari gowtham
2022-06-03
Very happy with the results from Spiro from start to finish. Spiro and his team are very knowledgeable and have a very quick turnaround time. Couldn't be more happier with the service. Definitely my go-to person for upcoming purchase.
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Gary Shekhter
Gary Shekhter
2022-06-02
Great broker and trustworthy. Honestly had seen 5 brokers and fund this wonderful guy. Who helped from start to finish fast and had our loan in no time at all. Thank you again champ you did an amazing job
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Leonie Kemp
Leonie Kemp
2022-05-29
Thank you Spiro and Agnes for helping with the purchase of my first home. I needed to arrange finance quickly and Spiro did a fantastic job letting me know the best options for me and pushing to get the pre-approval so I didn't miss out on purchasing my home. Everything went very smoothly, thanks for helping make my first property purchase straightforward.
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S S
S S
2022-05-28
Thank you Spiro and team for your help in financing the mortgage for the recent property purchase. Spiro provided timely advise, guided me on the process and was swift in processing the documents. His friendly attitude makes the process even better. Thank you once again.
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Anita Naughton
Anita Naughton
2022-05-27
As a first home buyer I had very limited knowledge on what I needed to do. I searched for a broker and What if we finance stood out due to reviews. I had my first session with Spiro and never looked back! The whole process was seamless, I felt supported and could always connect with Spiro when needed. Spiro and Agnes are experts in what they do and I would highly recommended anyone looking for finance to choose What if we finance. I will be a lifelong customer and look forward to buying our next house with their support.
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Mahmoud Al Kilzi
Mahmoud Al Kilzi
2022-05-25
Spiro & his team did a great job by getting my loan sorted in time. I would recommend them to family & friend. Great work guys much appreciated.
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Rebecca Zeeman
Rebecca Zeeman
2022-05-20
Spiro and Agnes provided great help and advocacy in getting us our home loan. We felt they were always available and were super efficient in getting it all done on time! The process was so simple and without stress thanks them both.
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Irish Azcuna
Irish Azcuna
2022-05-09
I can’t thank Spiro and Agnes enough for making my first home purchase so efficient, stress-free and seamless! If I could give more than 5 stars I would. As a first home buyer applying for one or the government’s schemes, my situation would have been so complicated that I never imagined being able to complete the process in such a short time. Spiro’s in-depth knowledge, invaluable and always-available support, and genuine willingness to help get me the right mortgage for my situation, made everything possible. His pragmatic advice even helped me decide on the right property for us, which would help us achieve our long-term goals. I highly recommend Spiro and his team. We will definitely engage their service again for our next property. They are the best!
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Renee Briggs
Renee Briggs
2022-05-02
Spiro is reliable, has your best interest as his top priority and is fast to get great results. We wouldn't ask anyone else for their professional opinion- Spiro is the best in the business.
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