Tailored Home Loans for Self-Employed Borrowers
Every business owner’s situation is different — and so is the way lenders assess self-employed income. That’s why we offer flexible home loan solutions designed to suit a wide range of business structures and financial scenarios.
Business Owner Mortgages
Flexible options for company directors and small business owners.
Sole Trader Home Loans
Solutions designed for variable or seasonal income.
Low-Doc & Alt-Doc Options
Simplified pathways when full financials aren’t available.
Commercial Property Loans
Finance for buying, refinancing or upgrading your business premises.
Mortgage Calculator
estimate your repayments
What you see is a guide.
What we quote could be even sharper.
Get in touch with a broker to get a quote tailored to your needs — no credit checks, no obligations, and no time-wasting.
Loan Amount
Interest Rate
Repayment Frequency
Loan Term
Disclaimer: This calculator provides an estimate only and does not constitute a loan offer. Actual repayment amounts may vary depending on your individual circumstances and lender terms. Contact a QPF Finance Broker for a detailed quote.
Get in touch
Ready to see what your home loan options look like as a business owner? Speak with a QPF mortgage broker today for clear, tailored advice.
How It Works
Securing a home loan as a business owner doesn’t have to be complicated — we handle the hard work so you don’t have to.
Let’s Talk
We take the time to understand your business income and property goals.
Compare Your Options
We match you with lenders that suit your financial situation.
Get Approved
Your application is structured to maximise approval success.
Settle & Move Forward
From paperwork to settlement, we manage the entire process.
Why QPF?
The QPF Difference
Running a business is complex — getting a home loan shouldn’t be.
At QPF Finance, we specialise in helping self-employed Australians secure mortgages with clarity and confidence.
We take the time to understand your income, business structure and goals before matching you with lenders that support business owners. With a dedicated broker guiding you from application through to settlement, you’ll get smart loan structures, clear advice and ongoing support every step of the way.
Family Owned & Operated
We treat your first home journey with the same care as if it were our own.
Specialists in Self-Employed Lending
We know how to structure loans around business income.
Access to 40+ Lenders
We compare loans across a wide panel to secure the right deal for you.
Ongoing Support
From pre-approval to settlement and beyond, we’re with you every step of the way.
Everything Finance, All in One Place
Home loans, insurance, cars, and more — we’ve got you covered.
Flexible Home Loans That Fit Your Income
Banks often assess self-employed borrowers differently to PAYG employees — focusing on tax returns rather than real cash flow. That can make strong business owners look riskier than they actually are.
At QPF Finance, we take a smarter approach. We understand business structures, variable income and retained profits, and work with lenders who do too. Your home loan is structured around your full financial picture — not a one-size-fits-all formula.
Whether you’re buying, refinancing or purchasing business premises, we make the mortgage process simpler and built for business owners.
SELF EMPLOYED MORTGAGES
Frequently Asked Questions
Can self-employed business owners actually get approved for a home loan?
Do I always need two years of tax returns or financials?
Are interest rates higher for self-employed borrowers?
Can business income be used to purchase commercial property?
Why should I use a mortgage broker instead of going directly to a bank?
How is a self-employed home loan different from a standard mortgage?
What if my income changes from year to year or is seasonal?
Can I refinance my existing home loan as a business owner?
How long does the self-employed home loan approval process take?
Make an enquiry
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