Self-employed deals are often seen as more complicated than standard PAYG applications, but they’re also becoming a much bigger part of the market.
From tradies and consultants to freelancers and business owners, more Australians are earning income in different ways. In many cases, they’re already part of your client book and looking for their next residential or commercial property purchase.
For brokers, that creates an opportunity to support more clients and place more deals, especially with the right lender behind you.
The self-employed market is growing
Many self-employed borrowers are financially strong with clear borrowing goals and solid income. The challenge is that their income doesn’t always fit neatly into a standard lending model.
That’s where lender flexibility matters.
At MA Money, self-employed lending is designed to support a wider range of borrower scenarios, helping brokers navigate deals that may not suit a traditional pathway.
Myth #1: All lenders assess self-employed borrowers the same
Different lenders approach self-employed income differently. A scenario that doesn’t work with one lender may still fit another lender’s policy.
At MA Money, brokers have access to flexible pathways across a range of self-employed scenarios, including:
- Alt Doc options for income verification, including using an Accountant Letter for income verification
- 1 year tax returns and financials for self-employed Full Doc applications
- Support across residential and commercial lending
That flexibility gives brokers more opportunity to assist their self-employed clients with their loan applications.
Myth #2: Self-employed borrowers need perfectly straightforward financials
Self-employed income structures can vary significantly depending on the borrower’s business setup, industry or tax structure.
In many cases, the opportunity comes down to understanding the full picture and working with a lender that takes a more practical approach to self-employed lending.
At MA Money, applications are looked at with flexibility across different income scenarios and borrower profiles. That gives brokers more confidence to help clients who may sit outside traditional lending expectations, while still representing strong lending opportunities.
Myth #3: Self-employed income is harder to package
Self-employed income can come from multiple sources and structures, particularly when companies, trusts or contractor income are involved.
While these deals can be more nuanced than PAYG applications, the right support and policy framework can make the process much more manageable.
MA Money helps brokers navigate a wide range of self-employed income structures with:
- Clear documentation pathways
- Flexible policies
- Practical support from experienced teams
- Direct access to credit conversations when needed
That clarity helps reduce uncertainty and keeps deals moving.
Myth #4: Self-employed applications involve excessive paperwork
Self-employed applications do require different supporting documents, but they don’t have to become a paperwork nightmare.
Knowing what’s needed upfront can make a significant difference to turnaround times and overall deal flow.
MA Money supports brokers with flexible documentation options and experienced BDM support to help simplify the process early. That means less unnecessary back-and-forth and more confidence when progressing applications.
Myth #5: Self-employed deals can take longer
Many brokers experience varying turnaround times with self-employed deals due to ongoing clarification requests and delayed approvals. Having clear guidance early in the process can help create a smoother experience for both brokers and borrowers.
At MA Money, brokers have access to:
- A 48-hour SLA to conditional approval
- Experienced BDM support
- Quick upfront guidance on deal suitability
- Direct communication pathways with the credit team
That support helps brokers move applications forward faster and with greater clarity earlier in the process.
Helping brokers place more self-employed deals
Self-employed borrowers are becoming a larger and more valuable part of the lending market.
For brokers, having the right lending partner can make these deals far more straightforward and open the door to more opportunities across both residential and commercial lending.
With flexible policy, practical support and a straightforward approach, MA Money helps make placing self-employed deals easier to navigate.
Learn more about MA Money’s self-employed lending solutions here or contact a BDM.
Information for broker use only. This article does not constitute financial, tax or legal advice and does not take into account personal objectives, financial situation or needs. You should seek independent advice from a licensed professional before making any financial decisions. Applications for credit are subject to eligibility and lending criteria. Fees, charges, T&Cs apply (available on request). MA Money Financial Services Pty Ltd ACN 639 174 315 Australian Credit Licence 522267.
