Self-Employed? Simplify your Home Loan Paperwork.
Get your free 48-hour borrowing assessment comparing 40+ lenders.
Self-Employed Mortgage Solutions: Asset Wise Financials calculates home loan borrowing capacity for Australian sole traders and directors using alternative income verification. By evaluating Business Activity Statements (BAS), bank statements, or accountant declarations, we deliver a comprehensive borrowing assessment within 48 hours to help you secure competitive rates without requiring standard tax returns.
Banks see red tape.
We see your real earnings.
Standard bank policies often focus strictly on historical tax returns. If you have written off legitimate business expenses or your accountant is still completing your books, standard algorithms can reduce your calculated borrowing capacity.
We partner with specialised bank and non-bank lenders who assess your real earnings by adding back legal deductions, helping you secure your property sooner.
Compare Rates →Income Verification Options
Let's calculate your real borrowing capacity.
We audit 40+ bank and specialist lenders against your business cash flow to calculate your maximum borrowing capacity. Zero cost, zero obligation.
What you receive in your free 48-hour assessment
We'll provide clear options aligned to three key areas:
1. Policy Match Summary
Matching your profile against 40+ lender rules to find your best policy fit.
2. Max Borrowing Report
A side-by-side comparison showing your maximum borrowing power across top lenders.
3. Strategy for the Future
Phase 1 cash-flow loan setup into Phase 2 automatic rate optimization.
Four simple steps to your home loan approval
See how we manage the process without adding to your workload:
01. 15-Minute Strategy Call
We discuss your business structure, ABN history, and property goals. There's no paperwork or prep needed at this stage, just a casual chat to understand your scenario.
02. Simple Cash-Flow Verification
You upload your last 6 to 12 months of BAS, 6 months of bank statements, or a signed letter from your accountant. No company tax returns or final tax receipts are required.
03. 48-Hour Lender Policy Audit
We run your numbers through the credit policies of 40+ lenders. We identify who offers the most generous add-backs for write-offs, maximizing your borrowing power.
04. Future Strategy & Rate Monitoring
We submit your loan for fast approval. Once settled, your loan is automatically added to our rate review system, guaranteeing we review your product rate every 12 months.
Hard numbers on your borrowing assessment
We audit 40+ lenders at zero cost to you, with guaranteed 48-hour turnarounds and annual interest rate checks to protect your budget.
Broker Fee
100% paid by the lender. We never charge you a brokerage fee.
Assessment SLA
Calculated and delivered within 48 hours of receiving your basic cash-flow documents.
Proactive Audits
We review your loan rate every 12 months post-settlement to protect you from the standard loyalty tax.
Compare the difference: Specialist vs standard policy
We navigate policies across 40+ bank and non-bank lenders to find a custom fit.
| Lending Rules | Standard Bank Rules | Specialist Lender Panel |
|---|---|---|
| Verification doc | 2 years full tax returns | BAS, bank statements or accountant letter |
| Write-offs | Borrowing capacity cut based on deductions | Adds back deductions to verify actual earnings |
| ABN term | ABN active for 2+ years | Lenders accept 12 months active ABN |
| Loan features | Basic features only | Full features: offsets, splits and redraws |
Compare 40+ Australian Lenders in One Place
We audit interest rates across Australia's major banks, digital institutions, and specialist lenders so you don't have to.
"Belinda exceeded my expectations. She was patient, extremely diligent, and detail-oriented, which was exactly what I needed. It always felt that she had my best interests at the center of her advice."
- Verified Asset Wise Client, SydneyFrequently Asked Questions
Common questions about self-employed lending guidelines.
Book Your Free Consultation
Speak directly with a self-employed lending specialist. We compare 40+ lenders to calculate your max borrowing capacity at zero brokerage cost to you.