Self-employed home loans across Australia
Home loans for
the way you earn.
Company director, sole trader or contractor? We help you make sense of your borrowing options and look after the application. We also help employed borrowers buying, moving or refinancing.
No obligation and no credit check from a website enquiry. We reply within one business day.
Meet Callum
Good lending starts with getting to know you.
Your first conversation is with Callum, the broker behind Galway Finance. He brings five years in financial planning and takes the time to understand what you want the loan to do for you.
Whether you’re ready to apply or just working out where to start, we can talk it through.
Speak with Callum. We reply to website enquiries within one business day.
Know how we’re paid. We disclose lender commissions and relevant costs before you proceed.
Keep in touch afterwards. We check in six months after settlement, then agree when to review again.
Start in a way that suits you. Book a time, give us a call, send a short enquiry or email.
Working for yourself
Tell us about the business behind your income.
We start with what you do — who your customers are, how you win work and how you pay yourself. From there, we look at your financials and the income a lender can assess. Any loan remains subject to lender policy and full assessment.
Money stays in the company.
If you’re a company director, some of your earnings may stay in the business. We look at salary, dividends and retained profits together, without counting the same income twice.
How company income is assessed →Your business has changed.
This year’s trading may look different from your last tax return. We look at the records available and check what evidence lenders can accept for sole-trader income.
More about sole-trader income →Work comes in contracts.
A good month and a quiet month can look very different. We look at your contracts, gaps between jobs and work history to understand the income a lender can assess.
More about contractor income →You’re getting established.
Let’s talk about your trading history and the records you have. There may be enough to apply now, or another financial year may put you in a better position.
Read about shorter trading histories →What we can help with
Finance for your home and business.
Home loans
A first home, a move, a refinance or an investment. We can also help with the lending for a build.
Explore home lending →Commercial property
Buying premises for your business or a commercial investment? We can look at the finance, including development funding.
Explore commercial lending →Cars and equipment
Finance for a car, work vehicle or equipment. We’ll help you compare the term, costs and repayments.
Explore car and equipment finance →Business borrowing
A business expense, stock order or gap between invoices. We help you check which funding options fit the need.
Explore business funding →SMSF lending
Lending for commercial property, and refinancing existing residential SMSF loans. New residential SMSF purchases are outside our scope.
Explore SMSF lending →Working together
A conversation, then a plan.
Start with a conversation
Tell us what you’re thinking about, even if the plans are still taking shape. We’ll ask about your income, commitments and timing.
Understand your options
We check how lenders can assess your situation, then talk through the loans, costs and documents. You decide whether to go ahead.
Leave the application with us
When you’re ready, we prepare the application and follow it through lender assessment and settlement, keeping you updated along the way.
Keep in touch afterwards
We check in six months after settlement. If your plans or finances change, you can get back in touch sooner.
Worth a read
A few answers before we talk.
How lenders see business income
The records lenders ask for, and why the way you earn matters for a self-employed home loan.
Read the self-employed guide →Buying your first home
Get your head around the deposit, purchase costs and steps to getting the keys.
Read the first home buyer guide →Is it time to review your loan?
What to check before switching, and why a lower rate may not make it worthwhile.
Read the refinance guide →Request a call from Callum
Tell us what you need help with and leave your mobile. Callum will call within one business day.
Call request received
Thanks. Callum will call within one business day to discuss your plans and the next steps.
Prefer to choose a time? Book a conversation, or call 0433 449 347.