Finance and Mortgage Brokers for
Self-Employed Australians & Investors

We don’t quote rates upfront because each client’s financial situation is unique. We first assess your individual circumstances and lending policies to find the best fit lenders. This ensures the rates we discuss are tailored and realistic, not just generic numbers that may not apply to you.

You can absolutely organise a loan yourself. A broker brings experience, access to a range of lenders and someone to guide you through the process.

At FINANS, we take the time to understand your goals, compare options from our lender panel and explain the trade-offs—beyond just the interest rate. Different lenders assess income, expenses and borrowing capacity differently, so we help identify options suited to your circumstances.

We also help prepare your application, liaise with the lender and keep things moving through to settlement and beyond. You stay in control, with less legwork and support at each step.

We’ll give you a clear checklist based on your situation and the loan you’re applying for. Typically, we’ll need identification, proof of income, recent bank statements and details of any existing loans or other financial commitments.

If you’re self-employed, we may also need tax returns and business financials. Buying or refinancing a property may require a contract of sale or your current home loan statements.

You don’t need to have everything ready before getting in touch. We’ll explain what’s needed and help you work through it, step by step.

Possibly. If your property has increased in value or you’ve paid down your home loan, you may have built up equity, the difference between your property’s current value and what you still owe.

You may be able to access some of that equity for renovations, an investment property or another goal. The amount available will depend on the lender’s valuation, lending criteria and your ability to meet the repayments.

At FINANS, we can review your current loan, estimate your usable equity and explain your options and costs. Accessing equity means taking on additional borrowing, so we’ll help you consider whether it suits your circumstances and longer-term plans.

Your bank can explain its own products. A broker can compare options across a panel of lenders and help you understand which may suit your circumstances.

At FINANS, we look beyond the interest rate to consider loan features, fees, lending criteria and your goals. We also help prepare your application, communicate with the lender and guide you through to settlement. You get a broader view of your options, with someone to help manage the process.

No. We’re based in Brisbane and work with clients across Australia. We can meet by phone and typically organise a video call before moving to application. We manage documents electronically, so you can work with us wherever you’re located.

You’ll still receive personal support, clear communication and guidance throughout the process.

Not necessarily. Those requirements aren’t universal, and lenders assess self-employed borrowers differently. Some may consider a shorter trading history or alternative income documents. A deposit below 20% may also be possible, depending on the lender and your circumstances.

We’ll look at your business history, income, deposit and existing commitments to explore suitable options. Different pathways can involve different rates, fees or lenders mortgage insurance, so we’ll explain the trade-offs before you decide.

Yes. We can help arrange home loans, commercial property finance and equipment finance, considering how each commitment affects your overall position.

They may involve different lenders and separate applications, but we can coordinate the process and keep your personal and business goals in view. With your permission, we can also work with your accountant so the finance arrangements take their advice into account.

We’ll explain what’s holding things back and help you understand what could improve your position. That might mean building your deposit, reducing existing debts, gathering clearer financial records or allowing more time to establish your business income.

Where possible, we’ll agree on practical next steps and a time to review. We can’t promise a future approval, but we can help you understand what to work towards.

With them. Your accountant understands your business and tax position, and their input can be valuable when arranging finance.

With your permission, we’ll liaise with them to clarify financial information, discuss proposed lending arrangements and coordinate documents. We focus on the finance, while your accountant advises on accounting and tax matters, keeping you involved throughout.

No. Our initial conversation is free, with no obligation to proceed. It’s an opportunity to discuss your goals, ask questions and understand how we may be able to help.

If you decide to move forward, we’ll explain how we’re paid and any fees that apply to your finance before you commit.