Self-Employed Home Loans Without the Hassle Stress Free

Self-employed? We specialise in home loans for business owners — even with irregular income or complex financials.

Find out what you can brrow - fast

No credit checks. No obligations. Fast answers.

    Access to over 60 lenders

    Compare 60+ lenders and secure the right business loan for your needs – fast.

    Funding in as little as 24 hours

    We understand the value of your time. That’s why we offer seamless online services.

    No hidden fees or charges

    Accountants, financial planners, and insurance brokers, ensures meet all your financial needs.

    4.90+ Reviews and Counting

    Proudly delivering reliable mortgage solutions that homeowners and buyers continue to depend on.

    Find the Right Loan Fast – Compare 60+ Lenders Today

    Our broker network gives you access to over 60 trusted lenders,
    so you can compare options and secure the best solution for your business finance needs
    – all in one place.

    Unibank
    Move Bank
    RACQ
    ScotPac
    Westpac
    Citibank
    P&N Bank
    Qudos Bank
    Judo Bank
    Heritage Bank
    Great Southern Bank
    Beyond Bank Australia
    Macquarie Bank
    Bendigo Bank
    Bankwest
    Bank Australia
    Bank of Sydney
    AMP Bank
    Auswide Bank
    67bbf37d2d5282b246d5ea36_earlypay_primary_logo_blue
    Virgin Money
    Victoria Mortgage
    TMB
    Suncorp
    St George
    Prime Capital
    Plenti
    Prospa
    Pepper Money
    Platform Finance
    Paramount
    ORDE Financial
    On Deck
    NAB
    MyState
    Lumi
    MA Money
    ME Bank
    Mortgage Ezy
    Medfin
    Liberty Financial
    La Trobe Financial
    Keystart
    ING
    IMB
    Household Capital
    Firstmac
    Firefighters
    CBA
    Capify
    Better Mortgage Management
    Bluebay Home Loans
    Bluestone Mortgages
    Business Fuel
    BOQ
    Better Choice Home Loans
    BankVIC
    ANZ
    AA Money

    Not sure which loan is right?

    Start with a quick quote and our experts will guide you

    Your Stress-Free Path to Finance

    Trusted Guidance, Hassle-Free Solutions

    Confidence in Every Step

    Finance Made Simple, Life Made Easier

    Experience You Can Rely On

    Loan Types We Offer

    Business Loans

    Business Loans

    Flexible Funding to help grow, launch or stabilize your business.

    Equipment Finance

    Equipment Finance

    For tools, machinery and equipment – without draining your cash flow. 

    Line of Credit

    Line of Credit

    Access ongoing funds when you need them, only pay interest on what you use.

    Vehicle Finance

    Vehicle Finance

    Affordable finance for business cars, vans or entire fleets.

    Invoice/ Trade Finance

    Invoice/ Trade Finance

    Unlock cash tied up in unpaid invoices to keep operations moving.

    Cash Flow Loans

    Cash Flow Loans

    Bridge temporary cash flow gaps with quick, short-terms funding.

    Fitout Loans

    Fitout Loans

    Upgrade or renovate your workspace with tailored fitout finance.

    Private Lending

    Private Lending

    Bank says no? We say yes. Fast private lending, flexible terms, no credit checks.

    Debt Consolidation

    Debt Consolidation

    Simplify payments and take control—combine debts into one lower repayment.

    Not sure which loan is right?

    Start with a quick quote and our experts will guide you

    SVG Mask Effect
    From day‑to‑day stability to big expansion plans, our mission is to simplify finance and deliver funding solutions that move your business forward – without the hoops.
    We cut the complexity from business finance so you can access funding quickly and stay focused on growing your business.
    Pilbara Finance - Hero Section
    Financial Solutions Expert Guidance Local Expertise 20+ Years Experience Pilbara Region
    Property Finance Vehicle Loans Equipment Funding Commercial Finance Mining Industry
    CONTACT US (08) 9122 3929 office@pilbara.finance Clinton Burnes Simple Process
    Finance Solutions Expertise Growth Success
    Swipe your finger to see the magic unfold
    Move your cursor to create dynamic trails | Click the nav to switch trail effects
    • Why First Choose?
    • Tired of Being Rejected?
    • Solutions for YOU!

    Why Self-Employed Borrowers Choose Pilbara Finance

    • We understand business structures & irregular income
    • No tax returns? No worries — alt doc options available
    • Compare 40+ lenders in minutes
    • Maximize your borrowing power with expert advice
    • Fast response. Easy process

    Tired of Being Rejected by the Banks?

    Traditional lenders don’t get self-employed finances. We do. Whether you're a sole trader, company director, contractor, or ABN-holder — we know how to get it done.

    Solutions for Any Self-Employed Situation

    • First-time home buyers
    • Refinance to lower repayments or access equity
    • Investment property purchases
    • Low-doc and alt-doc loan options
    • Multiple income streams, trusts, or company income

    Book a Free Strategy Session

    How it works

    1
    Tell us about your business & goal

    2
    We match you with the right lender

    3
    You get approved fast and we handle everything

    0.1 +
    Broker Pages & Google Reviews

    FAQs

    Why should I choose Pilbara Finance over a bank?

    Banks often reject self-employed applicants due to rigid policies. At Pilbara Finance, we understand business structures, irregular income, and have access to lenders who cater to self-employed borrowers.

    Do you only help first-time buyers?

    No, we work with all types of borrowers — first-home buyers, investors, or those refinancing — as long as they are self-employed or business owners.

    How fast can I get approved?

    Approval times vary, but we pride ourselves on fast responses and streamlined processes tailored for busy business owners.

    Can I refinance my existing home loan if I’m self-employed?

    Yes. Many of our clients refinance to lower repayments, consolidate debt, or access equity — even without traditional proof of income.

    Are low-doc or alt-doc loans more expensive?

    Not necessarily. While some lenders may charge slightly higher rates, our expertise ensures you get competitive options that suit your financial situation.

    Can I still apply if my income is irregular or from multiple sources?

    Absolutely. We understand the complexities of business income and can structure your loan application to highlight your true borrowing capacity.

    What Our Clients Say

    Connect With Us

    Hey! Connect us with (08) 9122 3929, or email us through office@pilbara.finance, or fill the following form. We will contact you back within 12 hours or prior.

    Scroll to Top