How It Works
1
Book Your Free Consultation
Tell us about your income structure, business type, and borrowing goals. No commitment required.
2
We Find the Right Lender for Your Situation
We identify lenders with the right appetite for your situation and compare options across 70+ lenders.
3
We Handle the Details
We prepare your application to present your financial position accurately and manage the process end to end.
4
You Get the Keys
Your home loan, structured for the way you earn.
Why Choose Unlocked for Self-Employed Mortgages
Find out why our happy clients chose Unlocked.
70
Lenders
Including specialist lenders who understand self-employed income.
100
Independent
We work for you,
not the banks.
5
Star Service
Our clients become our
biggest advocates.
Home Loans for the Self-Employed — We Know How to Present Your Case
More than one in seven Australians are self-employed. That’s a significant portion of the workforce — yet many self-employed borrowers face unnecessary barriers when applying for a home loan.
Home Loans for the Self-Employed
Did you know that in Australia, more than one in seven people are considered self-employed? This significant portion of the workforce contributes greatly to the nation’s economy, yet often faces unique challenges when it comes to securing home loans.
The Self-Employed Home Loan Challenge
Self-employed borrowers often face hurdles that PAYG employees don’t. Without regular payslips, consistent employment records, or standard income statements, many banks apply a more conservative assessment — or decline outright. This can happen even when the underlying financial position is strong.
Common challenges self-employed borrowers face:
- Income fluctuations from season to season or client to client
- Legitimate tax minimisation strategies that reduce declared income on paper
- Complex business structures that some lenders struggle to assess
- Difficulty providing two full years of tax returns if the business is newer
Additionally, self-employed individuals often have fluctuating incomes, which can further complicate the loan application process. Many banks and home lending assessors struggle to understand the intricacies of company financials, particularly for small businesses or sole traders.
An outright refusal from one bank doesn’t mean no — it often means the wrong lender. Many borrowers who’ve been declined by their bank are successfully approved through specialist lenders on our panel who understand how business income actually works.
The Unlocked Advantage
At Unlocked, we recognise the unique position of self-employed individuals and have tailored our services to meet your specific needs. Here’s how we can help:
Expert Financial Analysis: Our brokers are experienced in reading and interpreting complex financial information — business financials, tax returns, BAS statements, and cash flow — and presenting your situation to lenders in a way that reflects your true capacity.
Lender Matching: We have access to 70+ lenders, including specialists who focus on self-employed borrowers. We identify who has the right appetite for your situation — not just who’s advertising the lowest rate.
Customised Application Strategy: Your financial situation is unique to your business. We work with you to develop an application approach that clearly communicates your strengths and addresses the questions lenders are likely to ask.
Ongoing Support: From the initial conversation through to settlement, we advocate on your behalf and make sure your application gets fair consideration. Being self-employed shouldn’t be a barrier to homeownership — and with the right broker, it doesn’t have to be.
Your business represents your livelihood and your financial capability. We help lenders see that clearly. A free, no-obligation conversation is the first step — let’s see what’s possible.
Contact us today to discover how we can help turn your homeownership aspirations into reality.
Sam & Chloe Benz
Less Back-and-Forth. More Getting It Done.
Dealing with banks directly can mean weeks of forms, repeated calls, and no guarantee of the best result. We do the running around for you — across 70+ lenders simultaneously — and come back with options, not questions.
Why Toowoomba People Trust
Unlocked
You probably know through experience that dealing with banks can be time-consuming. The constant back and forward slows things up. Not at Unlocked, we get the results that you want faster.
100% Independent Advice
We’re not aligned to any bank or lender. Our only job is to find the right option for you.
One Dedicated Broker
The broker you meet first is the broker who sees your loan through — start to finish.
Ongoing Loan Support
We check in after settlement too. If your rate stops being competitive, we’ll let you know.
Plain-English Communication
No jargon, no fine-print surprises. We explain everything in terms that actually make sense.
Comparing business finance options across 70+ lenders — banks, specialist lenders, and non-bank financiers.
Tools to Help You Get Started
At Unlocked, Knowledge is the first step. Use our free tools to get a quick picture of where you stand — then talk to us about what it means for your situation.
Borrowing Capacity Calculator
Find out how much you may be able to borrow based on your income, expenses, and deposit.
Fixed Rate Expiry Check
Fixed rate ending soon? See how your repayments may change when it rolls over — before it happens.
Loan Health Check
See how your current loan compares to what’s available. A quick check that could open up your options.
Latest from Unlocked
At Unlocked, Market updates, practical guides, and straight-talking finance education — to help you make better decisions.
