Self Employed Home Loans

Are you a freelancer looking for immediate funds? Apply for self employed home loans with Funding today. Get a personalised Express Quote within the same day.

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Building a bridge with our funding solutions

Bridging Loans

Short term loan secured against your existing property as a financial bridge

  • Buying and selling your property
  • Urgent settlements
  • Cash out / equity release
  • Upsizing and downsizing
  • Personal loan

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Business Loans

Access capital for your business when you need it or purchase a business or property

  • Investment / business purposes
  • Share purchases
  • Business cash flow / debt consolidation
  • Companies / individual borrowers

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Building Loans

Flexible and fast building loans to complete an incomplete development or building

  • Development / construction finance
  • Renovations / incomplete construction
  • Land bank and residual stock
  • New builds / owner builders

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Self Employed Home Loans

Getting a home loan as a self employed person can be difficult as banks and traditional lenders often require you to have a regular, stable income to qualify for a loan. If you’ve encountered this problem, you’ll be glad to learn all about the self employed home loans we offer at Funding.

Since 2015, Funding has rapidly grown as a private lender that provides businesses and individuals with short-term funding secured against their property. Unlike traditional lenders, we pride ourselves on our simple process and fast settlements, making us a great choice for self employed individuals.


How do I qualify for self employed home loans?

There are a few key things that you’ll need to qualify for a self employed home loan with most lenders. One of the most important considerations is a strong credit score, as this will give lenders confidence that you’re a responsible borrower and that you’re likely to repay your loan on time.

Our borrowers can be individuals, companies, or trusts borrowing for any purpose, including renovation loans, caveat loans, commercial property loans, and even short-term bridging loans. Borrowers must be able to put up sound real estate, such as commercial property, residential property, or vacant land, as loan security, have the ability to repay the loan, and have a strong repayment strategy to exit the loan.

Meet all of our eligibility criteria and provide all the relevant information to gain access to our loan amounts ranging from $20,000 to $10 million, with loan tenures ranging from one to thirty-six months.


Is it harder to get home loans if I am self-employed?

There is no easy answer to this question since it depends on several factors, including your credit score, employment history, and income. Requirements also vary from lender to lender. Most banks and traditional lenders typically want to see a steady income and employment history when considering a loan, and it may be more difficult to provide documentation when you are self employed. 

This isn’t the case, however, when it comes to Funding.

One of our most significant points of pride is that we offer a common sense approach to lending. We fully know and understand that everyone has different sources of revenue, and just because they can’t provide conventional proof of income doesn’t mean they can’t avail of our loan offers. Providing that our self employed applicants own property and have a repayment strategy, they have a good chance of being approved for the loan with Funding.


Are the interest rates higher for self employed home loans in Australia?

Interest rates for self employed home loans can vary depending on several factors, including your loan provider and your personal financial information, such as your credit report. The good news is that you can always check out the self employed home loan programs that are available for independent earners, so you can find offers that are suitable for your needs and budget.

Funding makes it easy to know the interest rates for your self employed home loans. If you want to get a comprehensive outline of your home loan rates and fees, apply for an Express Quote on our website or by phone.

To create a personalised quote for you, Funding needs the following self employed home loans requirements:

  • Basic personal information (name, email, and phone number)
  • Loan details (purpose of the loan, loan principal, and loan repayment terms)
  • Property information

Additionally, you may upload any relevant documents that will aid in loan approval. We strongly recommend that you review your loan application again before you click the submit button to ensure that there are no errors in it that may delay the processing of your loan application.

By submitting your loan details, you can already receive same-day conditional approval. If you proceed with our offer, we’ll conduct due diligence and process your application. Once you receive formal approval, you can receive the settlement in your bank account in as little as a few days, not weeks.


Apply for fast and simple self employed home loans with Funding.

At Funding, we work towards providing you with bank-level encryption and security using the latest technology to protect your assets and information. There is no doubt that you will receive fair, flexible, and competitive deals with the help of our team of industry professionals. 

Most importantly, taking out a home loan with us is also fast and simple, with minimal documents required. The entire process, from getting an Express Quote to making your loan payments, is done online, making us the ideal loan provider for Australians all over the country.

You can contact us at 1300 44 33 19 or via email at for any questions or concerns regarding our application process, payment procedures, and even our loan products, such as our home equity loans, and business loans. We also offer a second mortgage loan option.

Begin your application for self employed home loans with Funding by completing an Express Quote online. Enjoy a hassle-free loan experience with the home of faster and simpler digital mortgages.

How to get started


Get started

Forget slow and frustrating banks. We put you in the fast lane. Get started now or call 1300 44 33 19.


Get approved

Same day approval. Yes, you read that right. Conditional approval provided the day you submit.


Formal approval

Conditional approval becomes formal approval once due diligence is completed and you sign your loan documents.



Not months. Not even weeks. Just days and in as little as 48 hours settlement can be arranged.

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Don’t take our word for it.

“Funding organised a bridging loan for my client in less than a week!! No other lender could have done this and you saved my clients deposit being lost. Great result.”

Scott Vine


“We approached Funding several months back as an alternative to our normal banks, and dealt with John from day one. From the start, the transparency was there, we knew pretty much at every point what was happening…..”



“Amazing Service! We were able to turn around a deal in 2 days so the client could settle on their dream home. Nathan worked tirelessly to get this across the line and make it a smooth experience for myself and my client. Highly Recommended.”

Sandy Kelso


“The team at Funding have been great to work with. The funds have been made available quickly and without fuss. We are about to start another project and will happily use Funding again”

Kerin Friswell


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