Self-employed Finance, Norwood (2026)

Welcome to Self-Employed Finance, where we specialise in helping self-employed Australians secure home loans—without the hassle of traditional tax return requirements. With over 20 years of experience each in the finance industry and self-employment, they bring a unique blend of expertise and insight to every client interaction. As Director and Mortgage & Finance Broker, Jessica specialises in sec

uring home loans for self-employed individuals, offering tailored solutions using alternative income verification methods like bank statements, BAS, and accountant declarations. Her deep industry knowledge and personal approach make her a trusted advocate for her clients. Santo, as Broker Support Manager, complements Jessica's work by providing invaluable behind-the-scenes support. Drawing on his own experience of building several businesses and property portfolio, Santo understands the unique challenges self-employed clients face. His expertise in alternative lending solutions ensures a seamless process for Jessica's clients, while his collaborative efforts make their services exceptionally effective.

04/05/2026

Your bank knows you can’t leave. That’s why your rate hasn’t moved.

Here’s the quiet thing happening across self-employed refinances right now.

You took your loan in 2019, 2020, 2021. Rates were low.

Life was different. Now you’re sitting on 6%+ and you go to refinance — and the new lender’s stress test (at the current rate + 3%) says you don’t qualify.

So you can’t switch. Your existing bank knows it. And there’s zero pressure on them to give you a competitive rate.

That’s mortgage prison. And it’s costing self-employed borrowers thousands a year right now.

Here’s the part most people don’t know: there are real, legitimate ways out — even when the major bank stress test says no. Specific rules apply on like-for-like refinances.

Different lenders have different buffers. Non-bank panels often clear borrowers the majors won’t touch, at rates that are genuinely competitive.

But the door only opens for the right borrower with the right lender. There’s no point quoting the rules if they don’t apply to your loan.

If your rate hasn’t been reviewed in two years and your bank’s “best they can do” feels insulting — find out whether you’re actually stuck, or just talking to the wrong lender.

Check your eligibility in 60 seconds → sefinance.au/landing/check-my-eligibility

01/05/2026

Same income. Same deposit. Same property. Bank A says no, Bank B says yes. That’s not a glitch — it’s how the market actually works in 2026.

Two things are happening right now that almost no one is explaining to self-employed borrowers:

APRA still has the major banks stress-testing your loan at 3% above the actual rate. Real rate around 6%, you’re being assessed at 9%+.

From February 2026, the major banks are capped at issuing no more than 20% of their new loans at a debt-to-income ratio of 6× or higher. Self-employed borrowers hit this cap faster because of how income flows through companies, trusts, and retained profits.

Translation: the bank can already be “full” for the month before you’ve even applied.

The bit they don’t tell you — non-bank lenders aren’t bound by that cap. They’re regulated, they assess properly, and for the right borrower they’re often the difference between a no and a 30-day approval.

If you’ve been knocked back recently and the reason felt vague — “policy,” “income type,” “DTI” — it’s worth a second look at a different panel.

Check your eligibility in 60 seconds → sefinance.au/landing/check-my-eligibility

29/04/2026

Your accountant is doing their job. Your bank is doing theirs. And the two jobs are quietly killing your borrowing power.

Here’s the trap nobody explains.

Your accountant’s whole purpose is to legally minimise your taxable income — depreciation, vehicle, home office, super, one-offs. All valid. All cutting what you pay in tax.
But the bank doesn’t see your business. They see your Notice of Assessment.

So a business turning over $180k cash shows $80k on the NOA. The bank treats you like an $80k earner. With APRA’s 3% buffer pushing the assessment rate above 9%, the maths stops working long before your real cash flow does.

Here’s the bit nobody tells you: a different lender, looking at the same borrower, can read that income completely differently. Add-backs, BAS-based assessment, retained profits, accountant declarations — these aren’t loopholes.

They’re standard policy at the right lenders.

The fix isn’t earning more. It’s being read properly.

If your last home loan conversation ended with “you don’t earn enough” and you know that’s not the full picture — it probably isn’t.

Check your eligibility in 60 seconds → sefinance.au/landing/check-my-eligibility

28/04/2026

“You’ll need two years of financials.”

If you’re self-employed and you’ve heard that line, the bank told you their rule — not the market’s.

I had a client recently who’d been told to “come back next year.” 14 months on their ABN, 12 years in the same trade as a PAYG before that. The major bank passed.

We had them approved in under 6 weeks with a lender that read the full story — and there are more lenders willing to do that than most people think.

The catch is they don’t all use the same yardstick. Some want 12 months of ABN history. Some will use BAS. Some take an accountant’s declaration. The right one for you depends on your numbers, your structure, and how recently you went out on your own.

If you’ve been told to wait — find out what’s actually possible before you do.

Check your eligibility in 60 seconds → sefinance.au/landing/check-my-eligibility

21/04/2026

Barossa Mobile Automotive has been servicing us for a few years now and he’s always punctual, extremely proficient and knowledgeable on the vehicles (helps he owns a staria too 🤣) he services our personal vehicles as well.

He comes to you and his pricing is exceptional.

Give him a message for all your vehicle needs for north of Adelaide area. If you’re not from the area he can arrange to meet you at locations that suit both of you.

Address

Norwood, SA

Telephone

+61883449933

Website

http://www.sefinance.au/

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