Self-Employed Home Loans

As a business owner, you're an expert at running your company—but proving your income to a bank can be a frustrating, complex process. At Max Rich, we specialise in home loans for the self-employed. We understand the unique challenges you face and know how to navigate lender policies to secure the finance you deserve.

Self-Employed & Business Owner Home Loans on the Gold Coast

The Gold Coast is powered by ambitious entrepreneurs, sole traders, and contractors. Yet, when it comes to getting a home loan, the banks often make it difficult. Inconsistent cash flow, complex company structures, and a lack of traditional payslips can lead to roadblocks. We get it. We're experts at presenting your financial story in the clearest, strongest way possible. We work with a panel of specialist lenders who offer flexible income verification options (Low Doc and Alt Doc loans), ensuring your hard work and success are properly recognised.

Our Proven Process for Gold Coast Business Owners

Our process is designed to handle the complexities of self-employed finance, making your journey to property ownership smooth and successful.

Angle Right Icon
Let's talk today
1

Business & Financial Discovery

We start with a deep dive into your business structure, your goals, and your financial history. We take the time to understand how your business operates and what you want to achieve.

2

Income Verification Strategy

This is our key area of expertise. We'll work with you and your accountant to determine the best way to verify your income—whether that's with full financials, Business Activity Statements (BAS), or bank statements.

3

Specialist Lender Matching

‍We leverage our knowledge of the market to match you with lenders who have favourable, flexible policies for self-employed applicants, significantly increasing your chances of approval.

4

Professional Application Packaging

‍We professionally package your application, translating your complex financial situation into a clear and compelling case that lenders can easily understand and approve.

5

Managing Lender Communications

We handle all the questions and communications with the lender on your behalf, saving you time and stress and ensuring the process keeps moving forward efficiently.

6

Approval Through to Settlement

‍From securing your formal approval to coordinating a smooth settlement, we manage the entire end-to-end process, letting you focus on running your business.

Explore your loan options & their features.

As a business owner, you have access to specialised loan solutions. A Full Doc Loan is ideal if you have one or two years of solid tax returns. If your financials are more complex or you haven't been in business long, a Low Doc (or Alt Doc) Loan is a powerful alternative. This allows you to use other documents like your BAS, an accountant's letter, or business bank statements to verify your income, providing a flexible path to a home loan.

Variable rate loan

A Variable Rate Loan is a home loan where the interest rate can move up or down according to market conditions. Its greatest strength is flexibility.

Fixed rate loan

A Fixed Rate Loan locks in your interest rate for a set term, typically from 1 to 5 years. This means your repayment amount will not change for the entire fixed period, regardless of what happens in the market.

Split Loan

A Split Loan offers the best of both worlds by allowing you to divide your total home loan balance between two parts: one with a fixed interest rate and the other with a variable interest rate.

Packaged Loan

A Packaged Loan (or Professional Package) bundles multiple financial products, like your home loan, a credit card, and a transaction account, for a single annual fee.

Introductory Rate Loan

An Introductory Rate Loan (or 'Honeymoon' Rate Loan) is a variable rate loan that offers a discounted interest rate for an initial period, such as the first 12 months.

Interest Only Loans

An Interest Only loan is a strategic tool where your repayments only cover the interest on the loan for a set period (typically 1-5 years). This results in lower initial repayments, which is ideal for property investors looking to maximise their cash flow and tax deductions.

‍

Guarantor Home Loans

A Guarantor Home Loan is a fantastic way to get into the Gold Coast property market sooner, even with a small deposit. A guarantor, usually a parent, uses the equity in their own home to provide additional security for your loan.

Angle Left Icon
Angle Right Icon

Helpful calculators.

Explore your financial possibilities and understand potential costs with these handy calculators.

Borrowing Calculator

Use the calculator to find out how much you could borrow.

Calculate now

Budget Planner Calculator

Use this budget planner to help understand your income and expenses, and where you could make savings.

Calculate now

Extra Mortgage Repayments Calculator

You could potentially save thousands of dollars and take years off your loan by making extra repayments. Let’s run the numbers.

Calculate now

Honeymoon Rate Loan Calculator

A honeymoon loan can help reduce your monthly repayments for a set term. Use this calculator to compare what your repayments would be compared to a variable loan.

Calculate now

Income Tax Calculator

The income tax calculator can be used to calculate your net income.

Calculate now

Loan Comparison Calculator

Different loans have different fees, features and repayment options. Use our loan calculator to see how the numbers stack up between two loans.

Calculate now

Loan Repayment Calculator

Use this repayment calculator to understand how much your loan repayments might be.

Calculate now

Lump Sum Repayment Calculator

This home loan repayment calculator helps you calculate the savings benefits of making additional lump sum repayments on your home loan.

Calculate now

Mortgage Offset Calculator

Use the calculator to see how quickly you could pay off your loan with an offset account.

Calculate now

Savings Planner Calculator

Use the calculator to find out how much you could save.

Calculate now

Stamp Duty Calculator

Find out how much budget you need to set aside to cover Stamp Duty costs and what the requirements are in your state or territory.

Calculate now

Frequently asked questions.

View our full FAQs
Angle Right Icon

What is a good interest rate?

A "good" interest rate is more than just the lowest number. The most competitive loan package is one that has a great rate combined with the right features (like an offset account), low fees, and a lender policy that suits your circumstances. Our job is to compare options from over 60 lenders to find the loan that offers the best overall value for you.

What is an interest only loan?

An interest only loan is where your repayments for a set period (usually 1-5 years) only cover the interest portion of the loan, not the principal balance. This results in lower initial repayments and is a common strategy used by property investors to maximise cash flow or during the construction phase of a new home.

What is stamp duty and how much does it cost?

Stamp duty is a tax charged by the Queensland Government on the purchase of a property. The amount payable is calculated based on the property's value, and concessions or exemptions may be available, particularly for first home buyers. As part of our service, we will provide you with a precise calculation of the stamp duty payable for your purchase.

What is the difference between offset accounts and redraw facilities?

An offset account is a separate everyday bank account linked to your loan. The money in it remains yours and is offset against the loan balance to reduce your interest. A redraw facility allows you to access any extra repayments you've made directly into your loan account. The key difference is ownership: money in an offset is yours, while money paid into a loan becomes the lender's, which you can then ask to 'redraw'.

‍

Talk to us today about your options.

Let’s chat today and find the right solution for you. Whether you’re buying your first home, expanding your business, or upgrading your vehicle, Maxine and the Max Rich Brokerage team provide expert, obligation-free guidance across the Gold Coast, Logan, Brisbane, and the Scenic Rim, tailored to your goals.

Angle Right Icon
Contact us
Find what you're looking for
Angle Up Icon
Contact us
Angle Right Icon