Simplified Lending for the Self-Employed
Self-Employed Home Loans
Self-employed? We specialize in home loans for business owners — even with irregular income or complex financials.
Swift Approval
We ensure rapid approval for your home loan, so you can start making memories in your new home sooner.
Tailored Solutions
With access to products from over 60 lenders, we’ll find the perfect mortgage tailored to your unique needs.
Exclusive Offers
As a licensed broker, we have the inside track on exclusive deals you might not find elsewhere.
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.
What We Offer
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Home Loans (Purchase & First Home)
Buy with confidence—from pre-approval to settlement, including help with deposits and grants.
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SMSF Home Loan / Property Investment
Buy or refinance property via your SMSF with compliant lending structures and clear guidance.
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Investment Self-Employed Home Loans
Smart structures for portfolio growth—offsets, interest-only and tax-effective setups.
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Debt-Consolidation Home Loan
Roll debts into your home loan to simplify repayments and potentially reduce interest.
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Self-Employed Home Loans
Flexible documentation and lenders for business owners, contractors and mixed income.
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Construction & Renovation Loans
From plans to completion—progress payments, builder checks and a loan that fits your build.
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Refinance
Lower repayments or access equity. We compare options and handle the switch end-to-end.
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Business Loan
Working capital, expansion and acquisition finance—secured or unsecured, tailored to cash flow.
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Equipment Finance
Fast funding for machinery, vehicles and tools—keep cash free while you grow.
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Vehicle Finance
Car, ute, van or fleet—dealer or private sale—with quick turnaround.
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Developer Finance
Site, construction and residual stock solutions matched to your stage and presales.
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Private Lending
Short-term, fast-turnaround funding for time-sensitive deals with flexible security options.
Self-Employed Home Loan Essentials
A quick guide to the parts that matter most – deposit, budget, the buying steps and picking the right loan.
Why Self-Employed Borrowers Choose Pilbara Finance
- We understand business structures & irregular income.
- No tax returns? No worries — alt doc options available.
- Compare 60+ lenders in minutes.
- Maximize your borrowing power with expert advice.
- Fast response. Easy process.
How It Works
Getting funded for your business loan is a breeze with our streamlined process. Here's how we make it easy for you:
Tell Us About Your Business & Goal
Tell us about your business and goals, and our brokers will match you with the right loan options.
We Match You with the Right Lender
We connect you with the best-fit lender and take care of the paperwork and negotiations to secure strong terms.
You Get Approved Fast and We Handle Everything
Once approved, we handle everything from disbursement to repayment, so you can focus on growing your business.
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 1 hour or prior.
Get In Touch
Send Us a Message
Fill out the form below and we'll get back to you as soon as possible.
Self-Employed Home Loans — 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?
ot 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.