Self-employed & sole trader Home Loans

Home Loans Designed for Business Owners, Sole Traders & Self-Employed Australians

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75+ 5-star reviews on Google
1750835632211
Managed services

Property Investor Loan Solutions in Melbourne

At Finnox Advisory, we specialise in helping sole traders, freelancers, contractors and business owners secure competitive home loans—even when your income doesn’t fit the traditional PAYG model.

Whether you’re purchasing your first home, upgrading, refinancing or investing, we’ll compare loan options from over 50 lenders to find a solution that suits your unique financial circumstances.

Our Key Services for Property Loans

Loan Comparison & Selection

We compare 50+ lenders, including major banks (Commonwealth Bank, Westpac, NAB, and ANZ), to find the best investment loan options.

Borrowing Capacity Assessment

We calculate how much you can comfortably borrow based on rental income, expenses, and long-term goals.

Settlement & Portfolio Support

We coordinate with banks and conveyancers and provide ongoing support as you expand your property portfolio.

Pre-Approval Support

We prepare your documents and secure fast, reliable pre-approval for investment purchases.

Tax & Investment Strategy Guidance

We help you understand negative gearing, offset accounts, and tax benefits available to property investors.

Interest-Only & Flexible Loan Solutions

We identify lenders offering interest-only or flexible repayment structures to suit your investment strategy.

Rate Negotiation

We negotiate competitive rates and loan features on your behalf to maximise returns.

Paperwork & Submission Handling

We manage all documents and lodge your application correctly the first time.

Loan Structure Advice

We guide you on fixed, variable, split, or offset options tailored to your investment plan.

Managed services

Home Loans for Self-Employed Australians Made Simple

Traditional lenders often assess self-employed borrowers differently from PAYG employees. Because business income can vary from year to year, proving your borrowing capacity sometimes requires additional documentation.

The good news is that many lenders actively support self-employed borrowers. Depending on your circumstances, you may qualify for:

  • Full Documentation Home Loans
  • Low Documentation (Low Doc) Home Loans
  • Alternative Documentation (Alt Doc) Home Loans
  • Refinancing
  • Investment Property Loans
  • Construction Loans
  • First Home Buyer Loans

Our experienced mortgage brokers understand lender policies and know which lenders are most suitable for your business structure.

Why choose us?

Expert Investor Support

We simplify complex loan processes, explain everything clearly, and guide you from pre-approval to settlement.

Fast, Stress-Free Approvals

Our streamlined process and accurate documentation help achieve quicker approvals and fewer delays.

Transparent, Honest Advice

We provide clear explanations, upfront communication, and no hidden surprises throughout your investment loan journey.

Ongoing Post-Settlement Care

We monitor your loan, suggest refinancing opportunities, and continue supporting you as your portfolio grows.

Personalised Loan Strategies

We tailor every recommendation to your investment goals, rental income, and long-term property plans.

Client-Focused Service

We prioritise your confidence with friendly support, detailed explanations, and guidance designed around your unique investment journey.

Access Over 50 Trusted Lenders

Let our expert mortgage brokers do the legwork for you. With a panel of
50+ leading banks and lenders, we’ll find the right loan to suit your
needs—quickly and easily.

Get a personal consultation.

5.0
Based on 15 reviews
swapnali pashankar profile picture
swapnali pashankar
8 months ago
Very professional and friendly. My tax return was done on time and without any issues. They also gave good advice regarding loan options. Would recommend.
Avani Gandhi profile picture
Avani Gandhi
8 months ago
Very helpful and knowledgeable team. They guided me through loan options patiently and made the whole process stress-free. Excellent service and quick responses.
I used their services for tax filing in Australia and had a really smooth experience. Everything was explained clearly and they were easy to communicate with. Happy with the service overall.
Vaishnavi Gandhi profile picture
Vaishnavi Gandhi
8 months ago
Great experience with their accounting and tax services. Everything was explained clearly and professionally, and the process was smooth from start to finish. Highly recommend for anyone looking for reliable tax and accounting support.
Krima Patel profile picture
Krima Patel
1 year ago
Grateful for a Seamless Experience" Dipal was incredible to work with—warm, professional, and truly attentive from day one. She made us feel supported and guided us through each step of the home loan process with clarity and care. What could have been stressful felt completely smooth. We're so thankful to Dipal and the Finnox team.
Exceptional Business Support from Finnox Consulting
Working with Finnox Consulting was a game-changer for our business. Their expert team assisted us with business plan preparation, ASIC record updates, Xero setup, ATO compliance, and income tax return lodgement. Every service was delivered with precision, professionalism, and care. Dipal & Finnox Team made the entire process seamless—highly recommended for reliable business consulting in Australia!
-Burger Road Tarneit
Vidh Imports profile picture
Vidh Imports
1 year ago
⭐️⭐️⭐️⭐️⭐️
I had an excellent experience with Finnox Consulting. Their team provided expert advice and guided me through the entire business setup and registration process with ease. Everything was handled professionally, on time, and with great attention to detail. They made what could have been a stressful process feel smooth and simple. I truly appreciate their support and highly recommend Finnox Consulting to anyone needing reliable and professional business consulting services.
birjukumar shah profile picture
birjukumar shah
1 year ago
Expert Business Set Up & Trust Structuring - Finnox
I had a great experience working with Dipal at Finnox. Her expert advice on business setup and trust structuring aligned perfectly with my goals. The entire process was smooth and stress-free. I highly recommend Finnox to anyone seeking reliable business advisory and trust formation service.
sonal patel profile picture
sonal patel
1 year ago
Dipal is knowledgeable, and incredibly helpful. If you're looking for honest advice and clear, reliable guidance, she's definitely someone to consider. Highly recommended.
Amit Vekariya profile picture
Amit Vekariya
1 year ago
"Reliable, Insightful, and Incredibly Supportive" Dipal at Finnox has been outstanding. As a PAYG earner with rental property and share trading, I needed someone detail-oriented—and she delivered. She also helped with grant review, offering insights I hadn’t considered. Dipal made everything clear and approachable, and I felt fully supported throughout. I highly recommend her to anyone seeking a knowledgeable, efficient, and genuinely supportive tax agent. - Amit
Friends Auto profile picture
Friends Auto
1 year ago
Highly recommend Finnox for professional and reliable tax, finance, and business advisory services. Their team is knowledgeable, responsive, and genuinely focused on client success. From BAS & GST lodgements, tax returns, and business structuring, to cash flow planning and cloud accounting with Xero, they offer everything under one roof. Great for small businesses, startups, and individuals needing expert financial support.
Zannie profile picture
Zannie
1 year ago
"Finally in Control of My Finances" As a busy healthcare professional, I needed an accountant who could simplify the financial side of things without cutting corners. Dipal and the Finnox team delivered exactly that—offering smart, tailored advice from tax planning to mortgage support. They’re incredibly responsive, genuinely knowledgeable, and clearly care about my long-term success. Thanks to their guidance, I finally feel confident and in control of my finances. – Zannie Bhatt, Physiotherapist
Jinkal Shah profile picture
Jinkal Shah
1 year ago
Exceptional Financial Insight & Partnership
As a mortgage broker, working with Dipal and the Finnox team has been a standout experience. Their business planning and financial reports are always precise, strategic, and lender-ready—making my job easier and giving clients a clear path to success.
Highly recommend Finnox to any broker or business owner seeking a reliable accounting partner. — Jinkal Shah, Mortgage Broker
Abhishek Mandal profile picture
Abhishek Mandal
1 year ago
Exceptional Support for a Smooth Business Start.
Navigating the complexities of purchasing a business, I couldn’t have asked for a better partner than Finnox Consulting.

From the first consultation, Dipal and her team offered expert guidance that gave me confidence in every step of the process. They made QuickBooks setup, payroll, and compliance smooth and stress-free. Dipal is responsive, professional, and truly cares.

I highly recommend Finnox to any small business owner looking for reliable, expert support.