Self-Employed Lending, Simplified
Six quick questions on your financials, structure and timeline. Get a straight score out of 100 and the things worth sorting before you apply, not after a knockback.
No credit check · No obligation · Results in 90 seconds
Finance built around how your business actually earns.
Self-Employed Home Loans
Two years financials, one year financials, NOA policy, director's wage policy, BAS only, business bank statement letters, we work through every strategy available to show the bank what your business actually earns, not just what your tax return says.
Investment & Portfolio Growth
First investment or your fifth, we structure and fund it so the next purchase stays within reach. Business income assessed the way lenders who understand it actually assess it.
Refinance & Equity Release
Already own a property? You're probably sitting on equity you haven't tapped yet, whether that's refinancing for a better rate, consolidating other debts, funding renovations, or just freeing up cash to reinvest in the business or clear an ATO debt. We find it, structure it, and put it to work.
A broker who works self-employed income every week, not once a quarter.
I'm a mortgage broker based in Western Sydney, backed by MortgageWorks and operating under Connective's credit licence. Early on I saw a gap in the service, advice, and value self-employed clients were actually getting. They weren't being given holistic advice, and their brokers weren't working with their accountants to figure out the best structure for them.
I found myself fixing those mistakes and proving what good service looked like, both to the accountant and the client, as we worked through it together. I've been focused on self-employed lending ever since, and I want to help more self-employed borrowers get the outcome they actually deserve.
Securing your loan is simple. Not work.
We guide you every step of the way.
Book your strategy call
On the call we go through every strategy available to present your income the strongest way possible, two years financials, one year financials, NOA policy, director's wage policy, BAS only, business bank statement letters, whatever fits your situation. You'll leave knowing exactly which lever gets you the best outcome, not a vague "we'll look into it."
We structure the deal and match you to the right lender
Not every lender reads self-employed income the same way, we know exactly which ones will work with your situation. We structure your finance around your goals and compare your deal across the panel, then give you one clear recommendation.
We manage the application through to settlement
From submission to settlement, our team follows up with the lender so you don't have to. Every document request, every status update, every deadline handled. You focus on finding the right property, we make sure the finance is there when you need it.
Self-employed finance in practice.
Two NOAs, no questions, approved
A client paid himself a wage through a company and trust, with carried forward losses and little profit sitting in the business. He also had income from a second entity and workers comp, enough that a full tax return would have invited endless questions from a lender. We didn't touch the company financials or use trust distributions, they weren't needed, and skipped his individual returns entirely. Used two Notices of Assessment at a major bank instead. Approved, no back and forth.
Four businesses simplified to two payslips
A client ran four different businesses, each at a different stage, some earning well, some carrying debt. Handing all of it to a lender would have meant the file getting torn apart. He was paying himself a solid salary from one of the businesses, so we used that wage alone under a director's wage policy and left every other business, and its debt, out of the assessment entirely. Approved off two payslips. A genuinely complex file made simple, no questions asked.
Cashed out now, refinanced back within the year
A client's most recent financials were strong, much stronger than the year before, but not quite strong enough to refinance and cash out equity for renovations he needed done urgently. Two BAS statements showed the business was tracking for an even better year ahead, so we refinanced him to a non-bank lender to release the funds straight away. The following financial year, once a full year of stronger numbers was behind him, we used two NOAs to refinance him back to a major lender.
What clients say.
"Purchasing a property can be stressful, but Tyrell made the entire process so much easier. No problem was ever too difficult, and whenever we hit a challenge, he always had a solution. I've dealt with brokers before who were slow to respond, Tyrell was the complete opposite: professional, knowledgeable, and always available. If the rating system allowed it, I'd happily give six stars."
"Great service, helpful around the clock. Was referred to this company and would recommend to anyone else."
"I've been with MortgageWorks for many years and have always had a great experience. Their knowledge and expertise are outstanding, and they always take the time to explain things clearly and keep me well informed. Highly recommend to anyone looking for a reliable, professional, and supportive mortgage service."
Ninety seconds. Six questions. A straight answer.
No sales pitch, no signup, just a real score and the things worth sorting before you apply.
No credit check · No obligation