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James can help make it clearer, simpler and more achievable.
Getting approved for a home loan when you work for yourself can feel harder than it should. Your income may not fit neatly into a standard payslip, but that does not mean homeownership or refinancing is out of reach.
At Swyft Home Loans, James helps self-employed Australians find loan options that better reflect their real financial position, including income, assets, business structure and long-term goals.
Whether you are a sole trader, contractor or small business owner, James can guide you through the process, explain what lenders are looking for and help you understand your options before you apply.
With access to over 60 lenders, James can compare suitable loan products, rates and structures for your situation, so you are not trying to work it all out on your own.
Book a free chat with James today and find out what may be possible.
Submit A Quick Enquiry
Your income may be different, but your goals are just as valid.
Being self-employed doesn’t mean your dream of homeownership or refinancing is out of reach. At Swyft Home Loans, we specialise in helping self-employed Australians access home loan solutions that recognise the real value of their income, assets, and ambition. Whether you’re a sole trader, contractor, or small business owner,we’re here to guide you through every step of the process.
As your trusted mortgage broker with access to over 60 lenders, we provide you with a wide range of choices and help you compare rates and loan structures that best fit your financial situation. Our goal is to ensure you have the knowledge, support, and flexibility you need to make the right choice for your future.
With our expertise and unwavering support, we’ll help you achieve your home ownership goals with confidence. Here’s how we can help you every step of the way.
- Low-Doc & Alt-Doc Loan Options: Don’t have two years’ worth of tax returns? No problem. We work with lenders who accept BAS statements, accountant declarations, or business bank statements so you can get approved even with non-traditional paperwork.
- Loan Structuring for Cash Flow Confidence: We understand the ups and downs of running a business. We’ll help structure your loan with features that support flexibility, like offset accounts, interest-only periods, or split loan options so your repayments can align with how you actually earn.
- Strategic Guidance Every Step of the Way: We don’t just submit paperwork; we partner with you, communicating clearly with your accountant, and making sure you’re in the best possible position to get approval (and a competitive rate).
