Rands Financial Services - Mortgage Brokers

Rands Financial Services - Mortgage Brokers 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

Only been self-employed for one year and wondering if you can apply for a home loan?The answer depends on more than just...
03/09/2026

Only been self-employed for one year and wondering if you can apply for a home loan?

The answer depends on more than just how long you have been in business.

Lenders may consider factors such as:

✓ Your income history
✓ Trading experience
✓ Financial records
✓ Current contracts
✓ Overall financial position

Some self-employed borrowers may have options without waiting for two full years, while others may need a longer history depending on lender requirements.

Understanding your position before applying can help you choose the right pathway.

Read the full article: “Can I Get a Home Loan With Only One Year of Self-Employment?”

02/09/2026

A business can have strong sales, but that does not automatically mean the same amount is available as personal income.

For self-employed borrowers, lenders may look at the bigger picture, including business expenses, profit, ownership structure and existing commitments.

Understanding your financials can help you prepare for the right home loan pathway.

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

A great home loan experience starts with the right support 🏡We’re glad Sally could help Ashley understand her options an...
01/09/2026

A great home loan experience starts with the right support 🏡

We’re glad Sally could help Ashley understand her options and secure the finance she needed.

Thank you for trusting Rands Financial Services!

Need help with your home loan? Contact us today.

Preparing for a home loan when you are self-employed starts with having your financial information ready.Tax returns, fi...
31/08/2026

Preparing for a home loan when you are self-employed starts with having your financial information ready.

Tax returns, financial statements, BAS and business records can help lenders understand your income and financial position.

The documents required can vary depending on your business structure and the lender you choose.

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

27/08/2026

Self-employed and applying for a home loan?

You may not always need two years of tax returns.

Some lenders may consider eligible borrowers using one completed financial year, while others may ask for more information.

The documents you need will depend on the lender and your circumstances.

Read the full guide on our website or speak with Sally Pietersz at Rands Financial Services - https://www.randsfinancialservices.com.au/self-employed-home-loan-document/

If you are self-employed, a lender may need more than just your tax return.Your financial statements, BAS and business b...
25/08/2026

If you are self-employed, a lender may need more than just your tax return.

Your financial statements, BAS and business bank statements can each help show a different part of your financial position.

The documents required will depend on the lender, your business structure and how your income is assessed.

Read the full guide or contact Rands Financial Services to find out what documents you may need before applying - https://www.randsfinancialservices.com.au/self-employed-home-loan-document/

24/08/2026

Being self-employed shouldn’t make your home loan journey feel harder than it needs to be. 🏡

As both a Mortgage Broker & CPA, I understand how lenders assess financial statements, business income and the bigger picture behind your numbers.

My role is to help make the lending process clearer, more practical and tailored to your circumstances—so you can explore the right home loan options with confidence.

Self-employed and thinking about buying or refinancing? Send me a DM or get in touch today to discuss your options.

21/08/2026

Tax deductions can reduce taxable profit, but lenders do not always assess every expense in the same way.

Some expenses may be considered as add-backs, depending on the lender and the supporting evidence.

The key is making sure your tax records are accurate and understanding how your income may be assessed before applying.

Read our full Self-Employed Home Loans Australia 2026 Guide - https://www.randsfinancialservices.com.au/self-employed-home-loans-australia/

Self-employed home loans are not always assessed the same way.Depending on your circumstances, you may have different pa...
20/08/2026

Self-employed home loans are not always assessed the same way.

Depending on your circumstances, you may have different pathways available, including:

• Two-year financial assessment
• One-year assessment with some lenders
• Alternative documentation using records such as BAS or business bank statements

The right option depends on your trading history, income, business structure, liabilities and available documents.

Read our full Self-Employed Home Loans Australia 2026 Guide to learn more - https://www.randsfinancialservices.com.au/self-employed-home-loans-australia/

A high business turnover does not automatically mean a high borrowing income.Lenders may also consider your business exp...
19/08/2026

A high business turnover does not automatically mean a high borrowing income.

Lenders may also consider your business expenses, taxable profit, liabilities, income history and any acceptable add-backs.

For self-employed borrowers, understanding how a lender is likely to assess your income can make a significant difference before you apply.

Read our full Self-Employed Home Loans Australia: https://www.randsfinancialservices.com.au/self-employed-home-loans-australia/

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

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