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Rands Financial Services - Mortgage Brokers

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Australia
Berwick, VIC
Rands Financial Services - Mortgage Brokers

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Whether buying your first home or investing, we offer expert support tailored to you.

We provide home loans for first home buyers & self-employed borrowers, including owner-occupied, investment property, SMSF, refinancing, construction, and low-doc loans. Loans for any purpose - First Home, Investment, Commercial, Business, Personal, cars and equipment - Secured and unsecured

30/10/2026

Your business is doing well, so why was your home loan declined?

Strong sales and good business performance do not always translate into higher borrowing capacity.

Lenders assess self-employed income differently, and your business turnover is not necessarily the income they use to assess your home loan application.

A decline from one lender does not mean every lender will reach the same decision.

Read our full article - https://www.randsfinancialservices.com.au/self-employed-home-loan-declined/

27/10/2026

Your business is doing well, but your borrowing power tells a different story?

Strong business sales do not always mean you can borrow more.

Lenders look at your income, business expenses and existing debts, not just your turnover.

And not every lender assesses self-employed income the same way.

Read our article - https://www.randsfinancialservices.com.au/self-employed-home-loan-declined/

23/10/2026

15/10/2026

From first home buyers to proud homeowners!

Building your first home is an exciting milestone, but navigating the home loan process can feel overwhelming.

We are delighted to have supported Danushka and his family throughout their first home journey, helping them understand their finance options and navigate the First Home Buyer Deposit Scheme with confidence.

A heartfelt thank you for your kind words and for trusting Sally and the team at Rands Financial Services.

Your first home journey deserves the right guidance and support.

12/10/2026

Self-employed and had your home loan declined?

It can be frustrating, especially when your business is doing well.

But a decline does not necessarily mean you cannot get a home loan.

Your income, existing debts, financial documents, credit history or even the lender's assessment policy could be the reason.

The important thing is to understand why your application was declined before applying again.

Read our full article to discover 8 common reasons self-employed home loans are declined and what you can do next - https://www.randsfinancialservices.com.au/self-employed-home-loan-declined/

08/10/2026

Home loan declined? Your journey may not be over.

If you are self-employed, a declined home loan application does not necessarily mean you cannot borrow.

The reason could be your income assessment, existing debts, financial documents or the lender’s policies.

Every lender assesses applications differently, but understanding why your application was declined is important before trying again.

Read our latest article to discover 8 common reasons self-https://www.randsfinancialservices.com.au/self-employed-home-loan-declined/

05/10/2026

A real client. A real transition. A successful outcome.

Moving from PAYG employment to self-employment changed the way this client’s income was assessed for lending.

With the right approach and careful guidance, we worked through the options and successfully reached settlement.

Thank you for trusting Rands Financial Services with your lending journey.

Recently moved to self-employment? Let us help you understand your lending options.

28/09/2026

A strong business does not always translate directly into higher borrowing capacity.

For self-employed borrowers, lenders generally look beyond business turnover and consider factors such as:

✓ Sustainable income
✓ Business expenses
✓ Financial records
✓ Income consistency
✓ Overall financial position

Every business is different, and lender assessment approaches can vary depending on your circumstances, business structure and supporting documentation.

Understanding how lenders assess self-employed income can help you prepare before applying.

Read the full article: Flexible Lenders for Self-Employed Borrowers — What Australian Applicants Need to Know. - https://www.randsfinancialservices.com.au/lenders-self-employed-borrowers/

21/09/2026

Why can two lenders assess the same self-employed income differently?

Because every lender has different policies when reviewing income, expenses, liabilities and financial history.

Your tax return is an important part of the picture, but it is not the only factor considered when assessing borrowing power.

Understanding how your financial position may be viewed before applying can help you make more informed decisions.

Read the full article: Do Tax Deductions Reduce Your Home Loan Borrowing Power? - https://www.randsfinancialservices.com.au/tax-deductions-borrowing-power/

Address

Shledon Drive
Berwick, VIC
3806

Opening Hours

Monday	9am - 8pm
Tuesday	9am - 8pm
Wednesday	9am - 8pm
Thursday	9am - 8pm
Friday	9am - 8pm
Saturday	9am - 8pm
Sunday	9am - 8pm

Telephone

+61434391331

Website

https://www.randsfinancialservices.com.au/, https://www.randsfinancialservices.com.au/blog/

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