YOUR BUSINESS SUCCESS DESERVES THE RIGHT HOME LOAN
Being self-employed doesn’t have to make getting a home loan complicated. An Ironbark Group mortgage broker can guide you through options tailored to your business, income, and goals.
Being self-employed comes with freedom and flexibility, but when it comes to home loans, it can also feel complicated. Many self-employed Australians experience stress, frustration, and uncertainty when applying for a loan, facing additional scrutiny compared to standard PAYG applicants. At Ironbark Group, we simplify the process, help you navigate lender requirements, and structure a solution that reflects your business success and financial goals.
WHY CHOOSE IRONBARK GROUP?
As a trusted mortgage broker, Ironbark Group specialises in helping self-employed clients access the home loans they need while reducing stress and complexity. We focus on structuring smarter loan terms from day one and guiding you through the process with clarity and confidence.
We can help you:
Understand what lenders require from self-employed applicants
Access alternative documentation or low-doc loan options when appropriate
Compare the best self-employed home loans available across multiple lenders
Structure your loan to reduce interest costs over time
Navigate tax, cash flow, and business documentation requirements
Prepare and submit applications efficiently to increase approval chances
Plan for refinancing or future property investments as your business grows
We focus on your individual circumstances and are with you every step of the way, from pre-approval through to settlement.
READY FOR A HOME LOAN THAT FITS YOUR BUSINESS AND YOUR LIFE?
Contact Ironbark Group today and speak with a trusted mortgage broker who understands the unique challenges of being self-employed. We’ll help you navigate lender requirements, compare loan features, and structure a solution tailored to your income, business, and long-term financial goals.
Frequently Asked Questions
Can I get a home loan if I’m self-employed?
Yes. Many lenders offer solutions for self-employed applicants, and we guide you to the options that fit your financial profile.
Is it harder to get a home loan if I’m self-employed?
Being self-employed can make the application process feel more complex, as lenders often require additional documentation to verify income and business stability. At Ironbark Group, we understand these challenges and guide you through every step. We help you prepare the right information, identify lenders suited to self-employed applicants, and structure your application to increase your chances of approval.
Do I need to provide tax returns?
Most lenders require 1–2 years of tax returns, financial statements, or alternative documentation. We help you prepare and present your information clearly.
What is a low-doc or alt-doc loan?
Low-documentation or alternative documentation loans are designed for borrowers whose income cannot be easily demonstrated through standard payslips, which is common for self-employed applicants.
How do lenders assess self-employed applicants?
Lenders look at income consistency, cash flow, business stability, and existing debt. We structure your application to present your financials in the best possible light.
Can my business finances be used to support my loan application?
Yes. We help present your business income, cash flow, and overall stability in a way lenders understand, strengthening your application.
Are interest rates higher for self-employed borrowers?
Rates can vary. Our brokers compare multiple lenders to find competitive options that suit your circumstances.
How long does approval take for self-employed applicants?
Approval can take slightly longer due to documentation requirements. We guide you through every step to make the process efficient and stress-free.
Can I refinance later if my income changes?
Yes. We help self-employed clients plan for refinancing as their business and income evolve.
Will using a mortgage broker cost me more?
No. Our mortgage brokers often save clients money by accessing better loan terms, structuring smarter repayments, and simplifying a complex process.
Calculator
What Our Clients Say
Professional insurance advice, handled smoothly.
Gene and his team were very professional and friendly and got the job done without any hiccups. Appreciate your great service team.
Matt Kollrepp
They explain insurance clearly and properly.
Ironbark Group really listens to what you need. They are also so helpful with business, home and car insurance. Ironbark Group really take the time to explain everything, so you really understand your home loans and insurance. They are the best!! Thank you so much Ironbark Group for all your help!!
Jesse Bogan
A business you can trust.
Totally awesome business to deal with! 100% can guarantee their excellent services.
Tania Allison
Trusted for both business and personal insurance.
Great team. We use Ironbark for both business / personal, finance and insurances. Can’t fault them 🙂
Kane D’Rose
Top-notch communication, efficiency and professionalism.
Excellent from the first phone call! Communication, efficiency and professionalism were top notch — systems and processes were so easy to use.
Linz11 R
Get in touch
Whether it’s home loans, commercial finance, asset finance, or insurance, our team is here to help you make confident decisions. Contact us and discover how we can tailor the right solution for your needs.
PHONE
POSTAL ADDRESS
PO Box 883, Upper Coomera QLD 4209
UPPER COOMERA
Unit 9/4 Dalton St,
Upper Coomera QLD 4209
SOUTHPORT
Griffith University, Link Building,
5/58 Parklands Dr, Southport QLD 4215
HELENSVALE
15-17 Millennium Circuit,
Helensvale QLD 4212