Self-Employed Home Loan Specialist. Borrow More Than Your Bank Quoted, Without Changing Your Tax Strategy.
Using access to 60+ lenders including specialist alt-doc options, we help self-employed borrowers, including those with ATO debt, variable income, or less than 12 months ABN history, get approved for what they actually deserve.
Add-backs that rebuild your income: We work with lenders who add back depreciation, equipment costs, and super to your assessable income, often unlocking $50,000-$150,000 more in borrowing capacity.
Alt-doc from 6 months ABN: No two years of returns required. BAS statements, business bank statements, or an accountant's letter is enough.
ATO debt? No Problem: Structured correctly alongside a payment plan, an ATO debt doesn't close the door. We know which lenders look past it.
Check Your Self-Employed Borrowing Capacity as a Business Owner
Proven Results
Proven Results That Speak for Themselves
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Our Solution
Tailored Home Loan Solutions for Self-Employed Borrowers
The Process
Securing Your
Mortgage for Self-Employed Borrowers Is This Simple
Step 3
We handle everything else
Application prep, lodgement, communication with the lender, updates to you. Start to finish. You focus on your business. We focus on the approval.
5 Star Rated
From Our Self Employed Clients
Reviews
What Our Self-Employed Clients Say
Real results from self-employed borrowers who found the right home loans for self employed situations.
The entire team at Valet are amazing. They truly go above and beyond. We had several hurdles recently while purchasing our home, but Will and the whole team were on board to assist. Nothing was too much trouble, they pursued every avenue and now here we are with the keys to our new home. We couldn't be happier. Their service is outstanding. We're eternally grateful to Will, Sharon, Dan and the Team.
KR
Kristy Ravaillion
Verified Client
We loved working with the team at Valet mortgage brokers they kept us informed every step of the journey and made it simple from start to finish. A big shout out to Nan and Sharron you were a pleasure to work with. I would highly recommend using Valet mortgage brokers for all your finance needs.
J&A
James & Abby
Verified Client
Will and Team were excellent with our mortgage going above and beyond to get it right. Will managed my application and got the best deal with future plans for our land use. I am newly self-employed and building my business but that was not an issue Will took care of everything. Andy and I are in our dream home so thank you Valet Morgage Brokers.
CR
Carol Readman
Verified Client
We can’t thank Nandika and the team (Will, Dorothy, and Sharon) at Valet Mortgage Brokers enough for their unwavering support throughout our debt consolidation and home loan refinancing journey. Our financial situation was far from simple, but Nan took the time to truly understand our needs, never gave up on us, and navigated every obstacle with patience, persistence, and care. What stood out the most was Nan’s genuine commitment. He didn’t treat us like just another file. No matter how long the process took, he remained supportive, responsive, and incredibly resourceful, always finding a way forward when things seemed impossible. Thanks to his dedication, we’re now in a much stronger financial position and can finally breathe easier. We highly recommend Nan and Valet Mortgage Brokers to anyone looking for expert guidance and real compassion, especially when things feel overwhelming.
PE
Pilar Esguerra
Verified Client
Being a first time home buyer. Will and Sharron were able to answer all my questions throughout the whole process, making the experience for myself go very smoothly. Definitely would recommend to others.
KP
Kyle Pye
Verified Client
Will and his team really know their stuff! Refinancing or buying, we were so glad to chat to William because they actually have your best interest at heart. They took the care that such a big decision rightly deserves. Thank you.
AK
Anthony Kuluz
Verified Client
When we set out to refinance our home, William from Valet Mortgage Brokers was our first port of call. He is excellent to work with. He goes above and beyond to ensure all your financial requirements are met. Will definitely be coming back for our next purchase!!
BV
Beccy Vella
Verified Client
Your Self-Employed Lending Specialist
Meet William Whitby
Will spent years in asset finance before moving into mortgages. That background matters: he came into broking having already seen how lenders assess risk and how to structure a self employed mortgage application to stand out. Will started Valet specifically to fix the self employed mortgage gap. Too many business owners were being told 'no' by banks who couldn't see past a simple tax return.
Background in asset finance. Will started his career assessing deals from the lender's side, which means he knows exactly how applications get evaluated and how to structure yours to stand out.
60+ lenders, including specialist non-bank options. Most brokers lean on a handful of familiar names. Will has access to the full market, including lenders specifically built for self-employed borrowers that your bank will never mention.
Brisbane-based mortgage broker, personally hands-on. No offshore processing, no junior staff handling your file. Will and the Valet team manage every application directly, with updates at every step.
FAQ
Frequently Asked Questions
Everything you need to know about getting approved as a self-employed borrower.
Can I get a home loan if my taxable income is low because of business deductions?
Yes. Most standard lenders assess your taxable income at face value, which is why so many self-employed borrowers get knocked back or offered far less than they should. We work with lenders who use add-backs, meaning legitimate business expenses like depreciation, equipment costs, and super contributions get added back to your income figure. Your tax strategy stays intact. Your borrowing capacity goes up.
Can I get an ABN home loan with less than two years of business history?
Yes. An ABN home loan doesn't always require the two full years of tax returns that standard lenders demand. We access lenders who assess on as little as six to twelve months of BAS statements, business bank statements, or an accountant's letter confirming your income. If you're recently ABN-registered and already earning well, there are paths to approval the major banks won't offer you. Book a strategy session and we'll map out exactly what's available for your situation.
I have an ATO debt. Does that rule me out?
An ATO debt doesn't automatically disqualify you. Some lenders will consider an application alongside a structured ATO payment plan, depending on the size of the debt and how it's being managed. We know which lenders take that approach and how to frame the application to give it the best chance. The first step is a conversation so we can assess your specific situation.
I already tried a broker and got knocked back. Why would this be different?
Most generalist brokers go to the same handful of lenders. If those lenders say no, the answer is no. We specifically work with a broader panel that includes specialist and non-bank lenders with more flexible self-employed policies, including alt-doc and low-doc options that many brokers don't use. More lenders, assessed properly, means more paths forward.
Does it cost anything to have my appointment or review my position?
No. We provide your initial Self-Employed Lending Strategy Session and recommendation at no cost. This is designed to identify exactly where you stand and map out your path to approval.
Are home loans for business owners harder to get approved than standard mortgages?
With the right broker, no. Standard lenders struggle to assess business income because their systems are built around PAYG payslips. But home loans for business owners are exactly what we specialise in. We know which lenders add back business expenses to rebuild your assessable income, which alt-doc lenders will work with your BAS instead of full tax returns, and how to structure your application to get a yes. Most of our clients were knocked back elsewhere before finding us.
