Self Employed Loans
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What Are Self-Employed Loans?
Self-employed loans are designed for individuals whose income isn’t paid through a standard salary—such as sole traders, contractors, freelancers, and small business owners. These loans recognise the unique financial patterns of self-employment and provide options that don’t rely solely on traditional payslips or income verification.
At The Finance Guide, we offer flexible low-doc and full-doc lending solutions that align with the way you work. Our goal is to help you access funding on your terms—without being treated as a high-risk borrower.
Who Are Self-Employed Loans For?
Self-employed borrowers often face extra scrutiny from traditional lenders because their income can fluctuate. At The Finance Guide, we take a more complete view of your financial story—recognising your business as an asset, not a limitation.
- Sole Traders: Seeking a home loan without standard PAYG income slips.
- Freelancers: Managing inconsistent or project-based monthly income.
- Business Owners: Looking to secure personal or business-related lending.
- Contractors & Self-Starters: Planning their next financial step with flexible loan options.
Key Features
Key Features of The Finance Guide’s Loans for the Self-Employed
Tailored Assessment
We assess your business as a whole—not just your most recent tax return. Every borrower gets a customised approach, never a one-size-fits-all solution.
Low-Doc Lending Options
Perfect for self-employed borrowers with strong financials that don’t align with traditional lending requirements.
Fast Approvals
Streamlined processes and real-time checks help you secure approval quickly, without unnecessary delays.
Flexible Loan Types
From personal loans to self-employed and sole trader home loans, we offer a wide range of lending options.
Repayment Flexibility
Choose weekly, fortnightly, or monthly repayments to align perfectly with your cash flow.
Access to Specialist Lenders
We work with a wide panel of mainstream, alt-doc, and specialist lenders—helping you secure the best deal even if your income is irregular or complex.
Finance Solutions Built for You
Personal Loans for the Self-Employed
Perfect for managing life’s major expenses—whether you’re upgrading equipment, consolidating debt, or handling unexpected costs.
- Borrow from $5,000 to $50,000
- Low-doc or full-doc options based on your documents
- Use bank statements or BAS instead of traditional payslips
Self-Employed Home Loans (Alt Doc)
Designed for self-employed professionals looking to buy a property or refinance.
- Borrow up to 95% of the property value (with full-doc)
- Alternative verification accepted (BAS, accountant letters, bank statements)
- Choose from split, fixed, or variable rate options
