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.

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Independent Mortgage Broker
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Word of mouth Service award 2023
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We are available 7 days a week 8.30 am to 9.30 pm

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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.

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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.

Self Employed Loans
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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.