Self-Employed Home Loans in Sydney
Simplifying your finance and home loan journey
21+ Years Getting Complex Income Structures Approved
Sole Traders • Companies • Partnerships • Family Trusts • Discretionary Trusts • Unit Trusts
Why Self-Employed Borrowers Face Extra Hurdles
You run a successful business. You have assets and you pay your tax. But when you apply for a home loan, standard lending systems are built around payslips — not business income. Self-employed borrowers often need a specialist approach to be assessed fairly.
Standard lending systems can find it harder to assess:
- Fluctuating income — even when your average is strong
- Trust structures — even when they are legitimate tax planning
- Business expenses reducing taxable income — even when cash flow is healthy
- Multiple income streams — even when diversification is smart
- Director’s loans or drawings — even when it is your own money
Result? Some borrowers are declined despite strong income and solid assets — simply because their financials look different on paper.
At YML Finance, we have spent 21+ years solving exactly these situations. We know which lenders accept self-employed income, how to present it correctly, and how to get your loan approved.
Who We Help
Self-Employed Business Owners
- Sole traders (ABN holders)
- Companies (Pty Ltd)
- Partnerships
- Contractors and consultants
- Freelancers with irregular income
- Multiple ABNs or businesses
Trust Structures
- Family trusts (discretionary)
- Unit trusts
- Hybrid trusts
- Property held in trust name
- Trust distributions and beneficiaries
Complex Situations
- Less than 2 years in business
- Recent business structure change
- High deductions reducing taxable income
- Director’s loans or drawings
- Retained earnings in company
Why We Get Approvals Others Don’t
Getting approved as a self-employed borrower requires the right approach. It means knowing which lenders are the right fit, how to present complex income, and how to structure the application from day one. That is what we specialise in.
Access to 20+ Specialist Lenders
We work with lenders who specialise in self-employed borrowers. They accept low-doc loans, alternative income verification, trust distributions, and recent business start-ups. Not just the big 4 banks.
Income Packaging Expertise
We present your income in the best possible light. We add back legitimate business expenses, average income over multiple years, and combine income streams strategically to maximise your borrowing power.
Trust Structure Specialists
Not all lenders accept trust structures. We know the lenders who regularly approve trust loans. We understand trust documentation, how to demonstrate serviceability, and how to structure the application correctly from day one.
21+ Years of Self-Employed Lending
We have arranged thousands of loans for business owners and trust structures. We know what works — and we will tell you honestly if you need to wait for a better result.
Common Scenarios We Solve
“I’m buying a property in my family trust for asset protection”
We structure the loan as a trustee borrowing with you as guarantor. We handle all trust deed and documentation requirements from start to settlement.
“I receive trust distributions but they vary each year”
We average distributions over 2–3 years and demonstrate the trust’s capacity to service the loan. Several lenders accept this approach.
“I’m self-employed AND the property is in a trust”
This is our specialty. We handle both complexities in a single application and select lenders who are comfortable with the full structure.
“Three banks said no — my income is too complex”
In most cases, the problem is not your income — it is how it was presented. We fix that.
The YML Group Advantage
As part of YML Group, you have access to more than just a broker. YML Group includes accountants and financial planners who support your full financial picture. This means your loan is structured correctly from day one.
- Part of YML Group — accountants and financial planners available separately
- Over 100 years combined professional experience across the group
- MFAA member for 20+ years — regulated and professional
- No broker fee to you
- Honest advice — we will tell you if you need to wait, or if we can help now
Ready to Get Your Self-Employed Loan Approved?
Talk to Jay Perron — 21+ years arranging complex income and trust loans. Free, no-obligation discussion.
📞 Call Jay — 0425 228 882 Send Your Enquiry📍 Serving Self-Employed Borrowers Across Greater Sydney
We work with self-employed clients across all Sydney suburbs — in person, by phone, or via video call.
YML Finance — ACL 398415 — MFAA Member 20+ Years. General information only. Not financial advice. Financial planning and accounting services are provided separately by YML Group entities. Please seek independent advice before making financial decisions.
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