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.

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

  • 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

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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

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🚀 Dreams to reality. Pilbara Finance connects you with the right loan from 60+ lenders.

"*" indicates required fields

Step 1 of 3 - Enquiry Type

This field is for validation purposes and should be left unchanged.