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Refinance for
Self-Employed Borrowers
We help self-employed borrowers refinance with clarity, flexibility, and confidence.
Home Page > Self-Employed > Refinance
Refinancing When You’re Self-Employed Done With Strategy, Not Guesswork
We help self-employed borrowers refinance with clarity, flexibility, and confidence.
Who This Service Is For?
- Self-employed and reviewing an existing home or investment loan
- Experiencing income growth or changes
- Paying higher repayments than expected
- On a loan that no longer suits your structure
- Previously declined due to self-employed income
/ About Service
Why Refinancing
Is Different for
the Self-Employed
For self-employed borrowers, refinancing depends on:
- How your income is assessed now
- Changes in business performance
- Updated lender policies
- Documentation availability
- Current borrowing power
Even if your loan was approved years ago, the rules may be different today.
/ About Service
Why Refinancing
Is Different for
the Self-Employed
For self-employed borrowers, refinancing depends on:
- How your income is assessed now
- Changes in business performance
- Updated lender policies
- Documentation availability
- Current borrowing power
Even if your loan was approved years ago, the rules may be different today.
Self-Employed Refinance Concerns
And How We Help
01
My income isn’t consistent
We assess trends, not snapshots
02
I’ve minimised tax
We explain how lenders interpret this
03
Will I still qualify to refinance?
We assess policy before applying
04
I don’t want a decline on my credit file
We avoid trial-and-error
05
Is switching lenders worth it?
We compare restructure vs refinance
When
Refinancing
May Make Sense
Refinancing may help if you want to:
01
Reduce monthly repayments
02
Improve loan features (offset, redraw, splits)
03
Access equity
04
Adjust structure as your business grows
05
Access to lenders you may not reach on your ownMove away from restrictive lender policies
Sometimes staying with your current lender is smarter, we explain both paths.
Finance That Grows with Your Life
We Handle the Loans, So You Live Your Life.
Our Refinance Process
for Self-Employed
Borrowers
Current Loan & Income Review
We assess your existing loan and income structure.
Borrowing Power Reassessment
We calculate what’s realistic now.
Lender Policy Matching
We shortlist lenders suited to self-employed income.
Strategy & Structure Planning
We assess whether refinance or restructure is best.
Application & Settlement Support
We manage the process end to end.
You Relax.
We Do the Rest.
What You Get
When Work with Us
Clear refinance suitability assessment
Reduced risk of
decline
Access to self-employed-friendly lenders
Strategy-led loan structuring
Honest advice on whether to move or stay
Ongoing reviews as your business evolves
Important Things to Consider
Refinancing as a self-employed borrower may involve:
- Re-verifying income
- Updated valuations
- New serviceability checks
That’s why
preparation matters more than speed.
Refinance for Self-Employed Borrowers
Structured Around Your Business Income
Refinancing when you’re self-employed can feel harder than getting your first loan approved. Lenders reassess your income under the current policy, and if your business income fluctuates or shows strong deductions, it may not reflect your real cash flow. A properly structured self-employed home loan refinance needs more than just a lower rate; it needs the right lender match.
Many business owners refinance to reduce repayments, access equity, or improve loan features. But moving too quickly without reviewing documentation pathways can lead to unnecessary declines. Whether you qualify under full-doc criteria or need a low-doc home loan, lender selection is critical.
Depending on your situation, options may include an alt doc home loan, a BAS home loan, or an accountant declaration home loan pathway. In some cases, a low doc refinance may provide flexibility where traditional servicing falls short.
Lenders assess ABN history, business financials, add-backs, and income consistency carefully. Some apply conservative models, while others understand business income structures better. Working with an experienced self-employed mortgage broker helps ensure your refinance is positioned correctly from the start.
Refinancing should improve your financial position, not increase risk. We assess rates, loan features, break costs, and lender policy before recommending a move. If a full refinance isn’t beneficial, we’ll explore repricing or alternative structures instead.
- Switching lenders for an improved structure
- Moving from high-cost lending to mainstream policy
- Restructuring repayments to improve cash flow
- Accessing equity for investment or business use
- Improving serviceability for future borrowing
/ FAQ
Your Questions Answered
Can I refinance if my income has changed?
Yes. We assess trends and sustainability.
Do lenders reassess my income when refinancing?
Yes, refinancing is treated like a new application.
Can refinancing reduce my repayments?
Often yes, depending on structure and rates.
Will tax minimisation affect refinancing?
It can. We explain how lenders assess this.
Can I refinance into a better structure without switching banks?
Sometimes. We assess both options.
Can self-employed borrowers access equity when refinancing?
Yes, if borrowing power allows.
Is refinancing risky if I was approved years ago?
Only if done without planning. We reduce risk.
Your Journey
Starts Here
Ready to talk?
Whether you know what you want or don’t know where to begin, we’re here to help.
Call Us On
1800 623 292
Let's
Explore Your Options
We’re here to help.