Expert Financial Solutions for the Self-Employed

At BrokerCo, we specialise in providing tailored financial solutions for self-employed individuals. We understand that self-employed clients often feel that banks and many brokers don’t fully grasp their unique financial situations and the challenges they face. At BrokerCo, we are self-employed, so we understand self-employed. We have also been writing finance in this space for many years. All of this gives us a unique perspective and deep understanding of your needs.

Understanding investment property finance

Why Choose BrokerCo?

We Understand You

Being self-employed ourselves, we know firsthand the intricacies of managing your own business. We understand the complexities of your income streams, the seasonal fluctuations, and the paperwork that comes with running your own show. This allows us to provide personalised financial advice and solutions that truly fit your circumstances.

Tailored Solutions for All Your Needs

Whether you’re looking to purchase new vehicles, acquire buildings for your business, buy a home, invest in property, or set up a Self-Managed Super Fund (SMSF), we have the expertise to help you achieve your goals. Our services include:

  • Vehicle Financing: Get the right financing options for your business vehicles.
  • Commercial Property Loans: Secure funding for purchasing or refinancing commercial buildings.
  • Home Loans: Find the perfect mortgage for your personal residence.
  • Investment Property Loans: Expand your investment portfolio with confidence.
  • SMSF Loans: Optimise your retirement planning with SMSF-specific loans.
understand your borrowing power
Property investing is a long term strategy

Think Outside the Box

Self-employed business is not a one-size-fits-all approach. That’s why we think outside the box to get the results our clients need. We work with a wide range of lenders who understand and even favour self-employed applications, ensuring you get the best possible terms and conditions.

Your Trusted Partner

case studies

Case Study 1

Client Background

James and Sarah, a married couple with two children, aimed to purchase an investment property by leveraging the existing equity in their owner-occupied home. James is self-employed, while Sarah works full-time, providing a steady income.

The Challenge

James’s income posed a significant challenge due to low earnings from the previous year, attributed to business expansion activities that reduced his declarable income. Most lenders average business income over a two-year period, which would have resulted in an unfavourable loan outcome for James.

The Solution

BrokerCo stepped in to assist James and Sarah. Understanding lender policies, BrokerCo identified a lender that allowed the use of James’s most recent year’s income for loan assessment. This approach avoided the usual two-year averaging method, presenting a more favourable financial picture for James.


The broker meticulously navigated lender policies and presented James’s financials to a lender willing to consider his latest income figures. BrokerCo also restructured the couple’s existing lending arrangements, enabling them to borrow 100% of the purchase price plus additional costs.


Thanks to BrokerCo’s expertise, James and Sarah secured the necessary loan for their new investment property and optimised their lending structure. This restructuring maximised their tax deductions, enhancing the financial viability of their investment.


This case highlights the pivotal role of an experienced broker in securing favourable loan terms, especially for self-employed individuals with non-standard income situations. BrokerCo’s adept handling and deep understanding of lender policies enabled James and Sarah to achieve their investment goals and optimise their financial strategy.

Case Study 2

Case Study: Securing a Home Loan for Self-Employed Borrowers

Client Background

Rebecca and Tom urgently needed a home loan after their rental property was sold, forcing them to expedite their plans for homeownership. Rebecca, a stable PAYG employee, met loan requirements, but Tom, self-employed in construction, faced unique challenges.

The Challenge

Tom lacked the typical two years of tax returns required for full doc loans due to his business’s youth.

The Solution

BrokerCo, with expertise in self-employed credit, proposed using Tom’s 2023 tax return and last three Business Activity Statements (BAS) to verify income. Effective communication with the lender secured an exception for this challenging scenario.


The broker presented Tom’s financial stability and business growth convincingly, navigating the lender’s policy exceptions.


BrokerCo’s expertise secured Rebecca and Tom a competitive full doc home loan, facilitating their home purchase and transition.


This case highlights the necessity of skilled brokers in non-standard income situations. BrokerCo’s proficiency and effective communication with lenders were instrumental in Rebecca and Tom’s homeownership achievement despite initial hurdles.

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Get Started with BrokerCo Today

Contact us today to learn more about how BrokerCo can help you achieve your financial goals. Experience the difference of working with a team that truly understands the self-employed. Let’s navigate the financial landscape together and find the solutions that work best for you.

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