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Tailored mortgage advice from an experienced broker
We don't charge any fees for our services at any time
Access to over 400 loans from over 40 different lenders
Mortgage Hub is an award winning, family-owned and operated mortgage brokerage, catering to the financial needs and challenges faced by everyday Australians.
With over 34 years of combined experience in the home loan industry, delivering exceptional customer satisfaction and high loan approval ratings.
We pride ourselves on offering honest, expert mortgage advice. Our reputation is built on outstanding integrity and professionalism, making us a trusted name in the community.
Our goal is to exceed the expectations of every customer we assist. We have over 140 5 star reviews reflecting our commitment to high-quality service and successful outcomes.
The majority of our business comes from repeat customers and referrals from friends and family, highlighting the trust and satisfaction we consistently deliver.
97% APPROVAL RATE
$270mil+ APPLICATIONS
140+ 5 STAR REVIEWS
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Self Employed Home Loan Options
Are you self-employed and finding it challenging to secure a mortgage? As an award-winning mortgage broker specialising in self-employed home loans, we understand your unique situation and are here to help you get the financing you need.
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Traditional home loans often require a steady income and standard employment verification, making it tough for self-employed individuals to qualify. Self-employed home loans are designed for entrepreneurs, freelancers, and small business owners. They offer flexible documentation and underwriting requirements, making homeownership possible for self-employed professionals.
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Expertise and Experience: With years of experience in the mortgage industry, we understand the self-employed home loan market. Our team stays current with industry trends and lender requirements to offer you the best options.
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Personalised Service: We provide a personalised approach to mortgage lending. Our team takes the time to understand your financial situation, goals, and challenges. We tailor mortgage solutions to fit your needs and help you achieve your homeownership dreams.
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Wide Range of Lenders: We have relationships with a network of lenders specialising in self-employed home loans. This allows us to offer a variety of loan options with competitive rates and terms.
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Streamlined Process: Navigating the mortgage application process can be daunting, especially for self-employed individuals. We simplify the process, guiding you through each step, from gathering documentation to submitting your application and securing approval.
Mortgage Broker for Self-Employed Home Loans
Why Self-Employed Home Loans Are Unique?
Benefits of Working with Us
Frequently Asked Questions
Why do self employed loans differ from standard loans?
The short answer is income verification. A borrower that's earning a salary shows consistent income which makes it easier for a lender to assess the application.
A self employed borrower generally has fluctuating income, so lenders like to take an annual or bi-annual sample to determine what income to use for the application.
What businesses are eligible?
✅ Most lenders require 18-24 months ABN registration
✅ Some lenders will accept 6 months ABN registration
✅ Most lenders require GST registration
✅ One lender can consider a new business (start up)
How do I prove my income as a self-employed borrower?
This varies lender to lender, but the most common can consist of:
✅ Accountant prepared tax returns
✅ Bank statements
✅ Payslips (if you pay yourself a salary)
✅ BAS statements
✅ Accountant letters
How much can I borrow as a self employed customer?
✅ Borrow up to 95% of the property value with one or two years’ tax returns.
✅ Borrow 80% - 90% of the property value with little to no income verification (low doc loan).
✅ Borrow up to 80% of the property value if you’ve been self-employed for less than a year.
What if I’ve been self-employed for less than a year?
If you’ve been self-employed for less than one year there aren’t many options. Most banks won’t lend to you because you don’t yet have tax returns to prove your income and because new businesses have more financial uncertainty.
One of our lenders can look at your income from your last job and take that as proof that you can afford the loan if you're in a similar industry.
The reasoning behind this is that if you decided to close your business you could always return to working for someone else on a similar salary to your previous job. On that basis we can help you borrow up to 80% of the property value.
What is a low doc loan?
Low doc loans are designed for self-employed borrowers who may not have all the necessary documentation to prove their income and financial position.
Instead of providing the usual documentation, self-employed borrowers can provide alternative documentation such as BAS statements, bank statements or an accountant’s declaration.
Due to the lower documentation requirements, low doc loan interest rates are usually higher, as well as its fees. Low doc loans also have more stringent lending criteria than standard home loans.
They may also require a larger deposit, with lenders often requiring a minimum of 20% deposit for low doc loan.
Can I refinance my low doc loan if my financial situation improves?
Yes, you can refinance your self-employed loan when your financial situation becomes more stable and your business shows consistent income. It's a good way to secure a better interest rate or more favourable terms.
Google Reviews
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Michelle Evans
Aron is very professional and knowledgeable, was so helpful with my mortgage. He made the whole process very easy with clear communication right through to approval. I would highly recommend Aron he is an amazing broker!
Brandon Mercia
If you're looking for a broker, you cant go past Aron ! Aron has helped my family on multiple occasions and the process has always been smooth and easy, offering multiple options and has our best interest at heart. Thanks Aron
Katherine Thompson
Second mortgage with Aron and couldn’t be happier, provided options and ensured everything was smooth from application to settlement. Great communication and ideas to make the most of our options. Aron will take care of you don’t hesitate to contact him.
Meet Aron Cardona
Northern Beaches Mortgage Broker and Self-Employed Specialist
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I'm a Mortgage Broker and Northern Beaches local with a passion to help everyday Australians navigate through the complexity of a mortgage to buy property.
I'm a proud father, loving husband and possessed fisherman. If I'm not with hanging with the family or fishing, I'm tucked away in the office working hard for you.
I specialise in tailoring home loan solutions fitting your needs and goals, drawing on my 14 years lending experience, as well as my own personal journey as a first-time buyer, upgrader, investor, and business owner.
I'm accredited with over 40 lenders, being a premium broker with many. I'm also partnered with other local business to help support your financial journey.
I assists clients across Australia, with a focus on the Northern Beaches suburbs of Dee Why, Frenchs Forest, Cromer, Collaroy, Narrabeen, Wheeler Heights, Allambie Heights, Beacon Hill, and Manly.
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