Self Employed Loans

We Understand How Self Employed Borrowers Work

At CBV Capital, we have spent 16 years helping self employed Australians secure the finance they need to buy, invest, and refinance. We know that being your own boss comes with real advantages, but it can also make the home loan application process feel like it works against you. Lenders assess income differently for self employed borrowers, and without the right broker in your corner, you can end up with a rejection that should never have happened.

CBV Capital is based in Adelaide and works with clients nationwide. Our focus is on self employed borrowers, including sole traders, company directors, contractors, freelancers, and small business owners. We understand how your income is structured, and we know which lenders are genuinely business owner friendly.

Why Self Employed Borrowers Face Different Challenges

When you apply for a self employed home loan, most lenders want to see at least two years of tax returns. For a sole trader, that means personal tax returns. For those operating through a company or trust, lenders will also look at company tax returns or trust tax returns alongside your personal returns. The challenge is that many self employed borrowers legitimately minimise their taxable income through business deductions, which can make their income appear lower than it actually is.

This is where self employed income verification becomes critical. A lender looking only at your taxable income may not see the full picture of what your business generates. At CBV Capital, we work through your financials carefully before submitting any loan application. We look at your self employed borrowing capacity from a lender's perspective so we can position your application in the strongest way possible.

For those who cannot provide the standard two years of tax returns, there are low doc options available. These alternative documentation pathways may use business bank statements, a registered accountant's declaration, or a combination of documents to support your self employed income. Low doc loans are not the right fit for everyone, but for some self employed borrowers they open doors that would otherwise be closed.

What Types of Self Employed Loans Does CBV Capital Help With?

CBV Capital assists self employed borrowers across a range of lending needs. Whether you are looking at a self employed mortgage to purchase your first home, a self employed investment loan to grow your property portfolio, or a self employed refinance to get a better deal on your existing loan, we can help you find the right lender and structure.

For self employed first home buyers, the process can feel particularly overwhelming. You may be dealing with deposit requirements, self employed LVR (loan to value ratio) limits, and questions about self employed genuine savings all at the same time. We help you understand what each lender is looking for and how to present your application clearly.

Self employed interest rates can vary depending on the type of loan, the lender, and how your income is verified. Full documentation loans typically attract rates closer to standard home loan rates, while low doc options may come with a slightly different rate structure. We work across a wide panel of lenders to find options that suit your situation, whether you are looking at a variable interest rate, a fixed interest rate, or a combination of both.

Lenders Mortgage Insurance (LMI) is another consideration for self employed borrowers who are borrowing above 80 per cent of the property value. We explain how LMI works, what it costs, and whether there are ways to structure your loan to reduce or avoid it based on your deposit and loan amount.

How CBV Capital Approaches Self Employed Credit Assessment

Self employed credit assessment is not one-size-fits-all. A contractor mortgage is assessed differently from a sole trader home loan, and a company director loan has its own set of documentation requirements. At CBV Capital, we take the time to understand your business structure, your income history, and your goals before recommending a lender.

We look at your full financial picture, including your business bank statements, your tax returns, and any other supporting documents that help demonstrate your capacity to service a loan. We also consider asset lending options where relevant, particularly for borrowers with significant assets but variable income.

If you have been told you cannot prove your income in the traditional sense, that does not necessarily mean you cannot access finance. There are lenders who offer flexible assessment pathways for self employed borrowers, and CBV Capital knows how to match the right borrower to the right lender. You can also explore our investment loans and home loans pages to understand the broader range of options available to you.

For self employed borrowers who already have existing debt, a refinancing review can be a valuable step. We assess whether your current loan is still working for you and whether there are better structures available given your current business income and property position.

CBV Capital also assists self employed clients who need finance beyond residential property. If your business needs funding, our business loans and commercial loans services may be relevant to your situation as well.

Our Simple Process

Step 1: Initial Conversation
We start with a simple, no-obligation chat. This is your chance to tell us what you need and ask any questions you have. We listen carefully so we can understand your goals and point you in the right direction from day one.

Step 2: Understanding Your Situation
We take a closer look at your financial position, including your income, expenses, assets, and any existing debts. This helps us build a clear picture of where you stand and what options are available to you.

Step 3: Researching Your Options
With access to a wide panel of lenders across Australia, we do the legwork for you. We compare products, rates, and terms to find solutions that genuinely suit your needs, not just the first option that comes along.

Step 4: Presenting Your Options
We walk you through the options we have found in plain language. No jargon, no confusion. We explain the pros and cons of each so you can make a confident, informed decision.

Step 5: Preparing Your Application
Once you are happy with a solution, we prepare your application with care and attention to detail. We help you gather the right documents and make sure everything is in order before it goes to the lender.

Step 6: Submitting and Managing Your Application
We lodge your application and stay on top of it every step of the way. We communicate with the lender on your behalf, handle any follow-up requests, and keep you updated so you are never left wondering what is happening.

Step 7: Settlement and Beyond
Once your finance is approved and settled, our job is not done. We are here to answer questions, review your finance as your circumstances change, and support you whenever you need us. We build long-term relationships, not just one-off transactions.

Real Stories, Real Results

Jasper was an outstanding mortgage broker and I highly recommend him. As a first home buyer, I had no idea where to start, but Jasper guided me through the entire process from beginning to end. He was always available to answer my questions, no matter how small or silly they seemed, and took the time to explain everything clearly. The property process moved very quickly at times, and Jasper was always proactive, responsive, and on top of everything. Buying my first home felt much less stressful thanks to his support, knowledge, and professionalism. If you’re looking for a mortgage broker who genuinely cares and goes above and beyond, it’s Jasper

Isabel Scuteri

Michael Faraonio has proved to be an excellent Commercial Finance Broker. He has assisted us will a number of transactions over the past few years and has also been a great conduite between us and the banking institutions. Michael is alway proactive finding us the best deals that may be available to our business and is easy to work with. We would highly recommend Michael.

Jennie Shearn

This is the second time we have worked with a broker from Keylend and couldn't recommend them highly enough! We are very grateful to Jasper for helping us. He guided us from the beginning of our journey until the end. I was blown away by his knowledge and ability to put together multiple plans to find the best one for us. He was always very quick to respond and adaptable when we needed it, especially in such a difficult market. Thank you so much for your hard work Jasper!

Elyse Bell

Michael was amazing! Great at communicating and giving advice for every step along the way and going above and beyond. Thanks for helping us into our first home!

Jessie Macpherson

Your Questions Answered

Why should I use a finance broker instead of going directly to my bank?

When you go directly to a bank, you only see what that one lender has to offer. A finance broker like CBV Capital has access to a panel of lenders, which means we can look at a wider range of options on your behalf. We understand how different lenders assess applications, what they look for, and which ones may be more suited to your particular circumstances. This can save you a significant amount of time and effort. Beyond that, we are here to support you through the entire process, answer your questions, and make sure you understand what you are signing up for. It is about having someone in your corner.

What types of finance can CBV Capital help me with?

CBV Capital works across a broad range of finance types. This includes home loans for owner-occupiers and investors, commercial property finance, business loans, equipment and asset finance, vehicle finance, and more. We work with both individuals and businesses, so whether you are buying your first home, expanding your business, or purchasing new equipment, we can look at your options. Each situation is different, and we take the time to understand yours before recommending a path forward. If you are unsure whether your finance need falls within our scope, just give us a call and we will let you know how we can help.

Is CBV Capital a licensed finance broker?

Yes. CBV Capital operates under an Australian Credit Licence, which means we are authorised to provide credit assistance in accordance with the requirements set out under Australian law. We are committed to acting in your interests and meeting our obligations under the National Consumer Credit Protection Act. This includes being transparent about how we are paid, ensuring any loan we recommend is not unsuitable for your situation, and providing you with the documentation you are entitled to throughout the process. You can have confidence that when you work with CBV Capital, you are dealing with a professional and compliant finance business.

What does a finance broker actually do?

A finance broker acts as the link between you and a range of lenders. Rather than you spending hours researching loan products and dealing with banks directly, a broker does that work on your behalf. At CBV Capital, we assess your situation, understand what you are trying to achieve, and then approach lenders who may be suited to your needs. We handle the paperwork, manage the communication, and guide you through each step of the process. Whether you are looking at a home loan, a business loan, or asset finance, having a broker in your corner means you have someone working for you, not for the bank.

How do I get started with CBV Capital?

Getting started is straightforward. You can reach out to us by phone, email, or through our website to book an initial conversation. There is no obligation involved in that first chat. We will take the time to listen to what you are looking to achieve, ask a few questions about your situation, and give you an honest overview of how we may be able to help. From there, if you are happy to proceed, we will outline the next steps and get the process underway. Whether you are ready to move now or just starting to think about your options, we are happy to have a conversation at whatever stage you are at.

What information will I need to provide when applying for finance?

The information required will depend on the type of finance you are applying for, but generally speaking, lenders want to understand your income, your expenses, your assets, and your liabilities. For individuals, this might include recent payslips, tax returns, bank statements, and identification documents. For businesses, lenders may also ask for financial statements, business activity statements, and details about the business itself. At CBV Capital, we will walk you through exactly what is needed for your specific situation. We want to make sure your application is as complete and well-prepared as possible before it goes to a lender, which helps avoid back-and-forth delays.

How long does the finance application process take?

The timeframe can vary depending on the type of finance you are applying for, the lender involved, and how quickly we can gather the required information from you. Some applications move through relatively quickly, while others, particularly for complex commercial or business lending, may take longer. At CBV Capital, we work to keep things moving as efficiently as possible and will keep you informed throughout the process. We will let you know upfront what documents and information we need from you so we can avoid unnecessary delays. Our goal is to make the process as smooth as possible from start to finish.

Is CBV Capital able to help clients outside of Adelaide?

Absolutely. While CBV Capital is based in Adelaide, we work with clients right across Australia. Thanks to phone, email, and video calls, geography is no barrier to getting quality finance support. We have helped clients in major cities, regional towns, and rural areas secure the finance they need. Whether you are in Sydney, Perth, Darwin, or a small town in Queensland, our team is ready to work with you. We make the process as straightforward as possible regardless of where you are located, so do not hesitate to get in touch no matter where you call home.

How does CBV Capital get paid?

In most cases, CBV Capital is paid a commission by the lender when a loan is settled. This means that in many situations, you do not pay us directly for our broking services. We are required by law to be transparent about how we are paid, and we will always disclose our remuneration to you clearly before you proceed. It is important to us that you understand exactly how the process works and feel confident in the advice and support you receive. If there are any situations where a fee may apply, we will discuss that with you upfront so there are no surprises along the way.

Can CBV Capital help if I have had credit issues in the past?

Having a less-than-perfect credit history does not automatically mean you cannot access finance. There are lenders who specialise in working with people who have had credit challenges in the past, and CBV Capital has experience working across a range of credit situations. We will take the time to understand your history and your current circumstances before exploring what options may be available to you. We will always be honest with you about what we find and what is realistic. It is important to us that you have a clear picture of where you stand so you can make informed decisions about your next steps.

Home Loans Built Around Your Business Income