Self-Employed Loans.
Home Loans That Understand Business Owners
Running your own business brings flexibility and freedom, but it can also make securing finance more complicated. At CCF Mortgage Brokers, we make it simple for self-employed clients to get the right home loan without the confusion.
We understand that your income doesn’t always fit the standard bank model. Whether you are a sole trader, contractor, or company director, we compare more than 60 lenders to find a loan that recognises your full financial picture and supports your goals.
Lending solutions designed for business owners
Access to lenders who specialise in self-employed borrowers
Guidance on income verification and documentation
Clear communication and quick responses
100% free mortgage broker service
How We Help Self-Employed Clients
We know every business is different. Our brokers take the time to understand how you operate, assess your financials, and present your application in the best possible way.
We can help you:
- Compare lenders who understand complex income structures
- Prepare your documentation clearly to show true earnings
- Access finance for home purchases, refinancing, or investment
- Review existing loans to find better rates or more flexible options
- Structure your loan for tax efficiency in consultation with your accountant
Our process is transparent from start to finish, and we handle all the communication with lenders so you can stay focused on running your business.
Our Process
1. Initial Chat
We’ll discuss your business, income, and property goals to understand what you want to achieve.
2. Compare 60+ Lenders
We identify lenders that offer flexible self-employed lending options tailored to your circumstances.
3. Prepare and Submit Your Application
We help gather your financials and present them clearly so lenders see your true income and stability.
4. Approval and Settlement
We keep you informed throughout the process and ensure a smooth transition from application to settlement.
Why Choose CCF Mortgage Brokers
- Local experience working with business owners across multiple industries
- Transparent advice that focuses on your goals
- Personal service with clear communication at every step
- Ongoing support long after your loan settles
We help self-employed clients every day and know how to present your income in a way lenders understand.
Ready to Secure Your Home Loan?
Let’s find a self-employed loan that fits your business and lifestyle.
Self-Employed Loans FAQs
Self-employed loans are available for business owners, contractors, sole traders, or company directors who earn income independently rather than through traditional employment.
Most lenders will require tax returns, financial statements, and business activity summaries to verify income. We’ll guide you through exactly what each lender needs.
Absolutely. Refinancing can help reduce repayments, access equity, or consolidate business and personal debts. We’ll handle the process from start to finish.
Most lenders prefer that you have had an active ABN for at least 12 – 24months. We’ll help you find the lenders most suitable for your situation.
Once documents are ready, approval typically takes between one and three weeks. We’ll keep you updated at every stage.