Self-Employed? Here’s Why You Need a Broker Who Gets It

Running your own business is rewarding but when it comes to applying for a home loan, being self-employed can feel like hitting a brick wall. Income fluctuates, expenses are complicated, and lenders don’t always speak ‘entrepreneur’. That’s where we come in.

At Two Birds One Loan, we specialise in mortgage solutions for self-employed borrowers. Whether you’re a sole trader, small business owner, or contractor, we know exactly how to structure your application for success.

• We Understand Business Cash Flow

Unlike standard PAYG applicants, your income may vary from month to month — or even year to year. That’s totally normal in business, but some lenders still treat it as a red flag. We work with lenders who understand your world and know how to present your business income in the best possible light.

• Low-Doc Loans? We’ve Got You

If your tax returns or financials aren’t quite up to date, don’t panic. We work with lenders who offer low-doc and alternative documentation loans, so you can still move forward while getting your books sorted in the background. We’ll guide you through what’s needed (think BAS statements, bank accounts or accountant declarations) and match you with the most flexible lenders.

• Fluctuating Income? No Worries

Self-employed applicants often get rejected simply because their income doesn’t look “consistent” on paper. But that’s where a smart broker makes all the difference. We know how to calculate average income, identify add-backs, and explain one-off expenses so your true earning power is crystal clear.

• We Tailor the Lender to Your Business

Every lender has different policies when it comes to self-employed borrowers. We know who’s flexible, and who actually supports business owners. That means we don’t waste your time or hurt your credit score by applying to the wrong places — we go straight to the right fit.

• We Handle All the Paperwork

We know you’re busy running your business, so we handle the heavy lifting. From collating your financials to chasing lenders, we’ve got it covered. No stress, no jargon, just expert help from start to settlement.

• Why Choose Two Birds One Loan?

We’re a female-led mortgage brokerage that’s helped countless self-employed Australians secure finance, from first homes to business expansions. With over 140 five-star Google reviews, our clients trust us to deliver clarity, strategy, and results.

Ready to Make It Happen?

If you’re self-employed and need a home loan, investment loan, refinancing, or even a construction loan don’t go it alone. Contact us and so we can tailor the right solution for your situation and make the loan process simple, smart, and successful.