Self-Employed Home Loans Made Simple

Flexible Home Loan Solutions for Business Owners, Contractors & Self-Employed Australians

Running your own business shouldn’t stop you from achieving your property goals, tidying up finances or taking another step.

At WhiteStar Finance, we understand that self-employed borrowers often have strong incomes but don’t always fit the traditional lending criteria used by banks. Whether you’re a sole trader, company director, contractor, freelancer or partnership owner, we’ll help you find a lender that understands your financial situation.

With over 30 years of mortgage broking experience, we compare home loan options from Australia’s leading banks as well as non-bank lenders to help you secure the right loan solution with confidence.

✔ First Home Buyers

✔ Refinance Solutions

✔ Debt Consolidation

✔ Tax Debt and Business Debt

✔ Investment Purchase

✔ Commercial and Commercial SMSF

5 Star Rated Mortgage Brokers

Self-Employed? You May Still Qualify

Many business owners assume they need years of tax returns before applying for a home loan.

While traditional banks often rely heavily on tax returns, some lenders can consider alternative ways to verify income depending on your circumstances.

Depending on the lender, this may include:

Business Activity Statements (BAS)
Business bank statements
Accountant’s declaration
Financial statements
Recent tax returns
PAYG plus business income
Other acceptable income evidence

Our team can simply chat and explain which lenders suit your situation and what documentation may be needed.

Our Job is to show you what’s possible, Your Job is to decide whats right for you.

Home Loan Options for Self-Employed Borrowers

Full Documentation Loans

Ideal if your financial statements and tax returns accurately reflect your income.

Low Doc Loans

Suitable for eligible borrowers who have limited traditional income documentation but can support declared income with alternative evidence.

Refinancing

Looking for a better interest rate or wanting to access equity? We can compare refinancing options from multiple lenders.

Investment Property Loans

Whether you're purchasing your first investment or expanding your portfolio, we'll help structure your lending for long-term success.

Take a look at what others have to say about us and our work – with over 500 five-star reviews, the results speak for ourselves

This is the second time I have used Liz of WhiteStar for my conveyancing needs. As previously, she has done a magnificent job for me. She is highly efficient, communicates well with updates and explanations where required, and is always friendly and accommodating. And she knows her stuff! I highly recommend her to anyone who is undertaking a property purchase and/or sale.

Maria L and Katerina S provided excellent customer service, advice and gritted determination to achieve the very best results for our refinancing. Communication and the flow of information was exceptional throughout our refinancing journey which made it feel seamless. Maria’s wealth of knowledge on various home loan products, the structuring of the loan to suit, must be noted here as nothing short of excellent. Not only did we manage to re finance successfully but also secured an excellent rate in very challenging times. We thank you and highly recommend WhiteStar Group.

Worth every cent!We were very happy with Liz, our Conveyancer. She was knowledgeable, highly responsive and on the ball at all stages, which made the process of buying our property super smooth and effortless (as much as buying a property can be). I can confidently recommend Liz (& Whitestar) to anyone looking for a good conveyancer who knows their stuff, she's worth every cent for the peace of mind!

Kelly is kind, and most of all persistent. Always putting our best interests first. We were an unusual case. Her expertise secured us our new home and we returned to her for refinance.

I cannot recommend our conveyancer, Elizabeth, at Whitestar Group services enough. As first home buyers, Liz patiently explained everything to us (sometimes the same question multiple times) and gave us awesome advice right from putting in offers for a house to when we finally settled on our property. She was always very thorough and quick to get back to us. I’ve been telling everyone I know about Liz and the Whitestar group, you can’t go wrong with this team. Thanks Liz!

I am astounded at how hard Maria Lyons and Kelly Flight had to work to get me this loan. Being in a small country town where most banks wouldn't touch it. They jumped through all the hoops and never gave up hope even when it seemed like a lost cause. I am so grateful to these 2. Their positivity held me together in this truly stressful time. The whole team at Whitestar were amazing super friendly admin, Shelly was always so helpful, bright and cheerful. Thanks everyone 5 stars. I am stoked with my new home.

Best staff! Great staff and communication from the beginning right through to the end. They went the extra mile for sure to get our purchased settled.

The team at Whitestar are incredible, efficient, proactive and informative. Thank you Kelly Flight, Elizabeth Alexander and Katerina Szabo an absolute pleasure doing business with you.

Home Loan for pool and landscaping – Maria & Katarina were so good to deal with and very helpful throughout the whole process! Would highly recommend to anyone seeking a home loan!

Maria and Kat were so helpful. This was first time ever using a broker and I was so nervous. But these two wonderful people took me through everything in such an organised professional manner. My worries went right out the window with our first conversation. From that point on, I had no stress and not one worry. I would recommend using this broker service and in particular Maria and Kat to anyone and everyone. I cannot thank them both enough. Going forward, I will never use any other company. Many many many thanks from one very very grateful and satisfied customer.

The perfect support! – My partner and I are first home buyers and knew next to nothing about the process. Dealing with WhiteStar, specifically Marina and Liz, made an otherwise quite stressful process easy to understand and manage. We feel very happy with the loan and bank we went with and were able to raise any questions at just about any day or time.

Friendly, professional, thorough and efficient. Maria knew her stuff and I had full confidence that she was working in my best interests the whole time

Thoroughly recommend Whitestar & in particular Kelly. The whole process of refinancing our home loan was easy from start to finish. Kelly gave great advice & fully informed us of all options allowing us to choose the best loan available with the best rate. We were kept informed throughout the whole process & was very happy with how quickly the loan was arranged & approved. Thanks Kelly & Whitestar

Peter Sarris was very knowledgeable with his advice and experience. Very professional, and a really fast and easy process. 100% recommend his services.

I can’t speak highly enough of the level of service, attention to detail and commitment from Maria and WhiteStar team in assisting me in obtaining loan approval from my preferred lender, all at a very competitive rate and under pressing circumstances! They were fully invested in ensuring I achieved my goal and secured my dream property. Thank you Maria, Katerina and the team!

Eric, Liz, Katerina and the team at WhiteStar were fantastic in guiding me through my first home buying experience. The team were extremely helpful answering any questions and ensuring I was well informed all steps of way. Thank you for all your help and support.

The miracle mortgage – Before we use Whitestar, we went to our bank and three mortgage brokers and they couldn’t help us, they went out of their way to find us the best deal and the exact money we needed to borrow to get the property we appreciate their hard work and dedication

Amazing Service – Kelly Flight has been amazing. She has been so patient, no matter what scenario we wanted to explore, Kelly was happy to look into our options. Her response times were more than reasonable and she always had a friendly attitude. Recently I also had some dealings with Katerina Szabo, and she was just as friendly and willing to answer questions. I would recommend these 2 to anyone, and will certainly use this service again when needed. Thanks for making this process so easy. Your both amazing.

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Why WhiteStar Mortgage Brokers

It's About The Outcome

We focus on outcomes, caring for your needs, solving problems, unlocking opportunities, and building lasting relationships.

It's About The Outcome

We focus on outcomes, caring for your needs, solving problems, unlocking opportunities, and building lasting relationships.

We Give You Choice

Our team find solutions from over 40+ lenders for home loans, car loans, personal loans, business, equipment finance and conveyancing simplifying your life.

We Give You Choice

Our team find solutions from over 40+ lenders for home loans, car loans, personal loans, business, equipment finance and conveyancing simplifying your life.

Our Process

Our Finance & Conveyancing Teams offer expert guidance tailored to your best interests. Our process aims to provide knowledge, solutions, success, and service

Our Process

Our Finance & Conveyancing Teams offer expert guidance tailored to your best interests. Our process aims to provide knowledge, solutions, success, and service