Rated

by Self-Employed Borrowers Across Australia

Self-Employed? Your Tax Strategy Shouldn't Cost You a Home Loan.

Stop letting bank algorithms assess you on a number your accountant works hard to minimise. Backed by in-house Chartered Accountants with banking industry experience, we help self-employed borrowers unlock their real borrowing capacity: qualifying on BAS statements, identifying tens of thousands in add-backs, and accessing specialist lenders unavailable through major banks.

Increase Your Assessable Income by Tens of Thousands: Our specialist brokers identify every legitimate add-back: depreciation, non-cash deductions, and business expenses banks routinely ignore, to maximise what lenders can lend you.

Qualify Without Two Years of Tax Returns: BAS statements, accountant letters, and alt doc pathways mean your tax strategy never has to cost you your approval.

Your Credit Score, Protected From the Start: We identify the right lender before submitting anything. No shotgunning applications, no unnecessary hits to your file.

Check Your Self Employed Borrowing Capacity

Trusted by SMSF Investors

Proven Results That Speaks for Themselves

$0M+

Settled for Self-Employed Borrowers

Specialist Lenders on Our Panel

Years of Financial Expertise

Free to You

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Our Partners

Accredited to Compare 30+ Specialist Lenders

Our Solution

Home Loans Built for Business Owners. Finally.

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We Understand Your Tax Returns Because We're Also Accountants

Most brokers see your taxable income and stop there. Our in-house specialist brokers identify add-backs, BAS-based income, and business structure nuances other brokers miss, increasing your assessable income and unlocking approvals banks said no to.

We Understand Your Tax Returns Because We're Also Accountants

We Know Which Lender Will Approve You Before We Apply

Every rejected application leaves a mark on your credit file. We pull a complimentary VEDA credit file, assess your full position, then target only the lender most likely to approve your structure, protecting your score and getting it right the first time.

We Know Which Lender Will Approve You Before We Apply

700+ Loan Products Including Pathways Unavailable at Major Banks

Major banks apply the same rigid policy to every borrower, regardless of your income structure. We access 30+ lenders, including specialist non-banks who accept BAS statements, approve after 12 months self-employment, and apply more favourable income shading, to find the approval your bank refused.

700+ Loan Products Including Pathways Unavailable at Major Banks

Qualify on BAS Statements, Not Just Tax Returns

Minimising tax is smart business. It shouldn't lock you out of property. Our low doc and alt doc pathways use BAS statements or accountant declarations instead of full tax returns, so your tax strategy and your borrowing capacity stay aligned.

Qualify on BAS Statements, Not Just Tax Returns

One File, One Broker, One Team. From Application to Keys.

Most brokers hand you off to junior staff the moment you sign. Sam manages your file personally from first call to settlement, with direct access to our accounting team whenever your income structure needs specialist review: a depth of support no standalone broker can match.

One File, One Broker, One Team. From Application to Keys.

Structure Today's Loan to Fund Tomorrow's Purchase

Getting approved matters. So does not locking yourself out of your next property. We structure your lending with your full financial picture in mind, ensuring today's loan positions you to keep borrowing as your business grows.

Structure Today's Loan to Fund Tomorrow's Purchase

The Process

Getting Your Self-Employed Home Loan Approved Is This Simple.

Step 1

We Diagnose Your Real Income First

Before approaching a single lender, we review your tax returns, BAS statements, and business structure to identify every add-back and income pathway available. Walk away knowing exactly what you can actually borrow, not what a bank calculator says.

Step 1

We Diagnose Your Real Income First

Step 2

We Select the Right Lender Before You Apply

We compare 700+ products across 30+ lenders and identify who will assess your income most favourably before submitting anything. No guessing, no credit damage, no wasted weeks. Just a clear plan and the right lender, the first time.

Step 2

We Select the Right Lender Before You Apply

Step 2

We Select the Right Lender Before You Apply

Step 3

We Manage Everything Through to Settlement

Sam handles lender communications and keeps you updated at every milestone. You focus on your business. We handle the banks. and you walk away with your keys and the confidence your lending is structured correctly.

5 Star Rated

by Our Clients

Reviews

What Our Clients Say About EWM Finance

Complex situations handled seamlessly, and a team that stays in your corner from start to finish.

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I would like to thank Alex for his excellent work to secure our loan with a very competitive rate and his help to restructure our finance. His diligence, attention to detail and proactive approach made the whole process easy, seamless and fast.

Esther

Verified Client

Helen is by far our go-to person when it comes to anything finance related. She will go above and beyond and always find a better rate than anyone we know. Always a delight, ever so happy and always delivers. Have known Helen for years and will not explore anywhere else. Have referred on to many friends and family and never disappointed.

Naomi

Verified Client

Thank you very much Alex for helping us out to secure finance for our home loan in record time to allow for settlement to go ahead. Thank you for your patience, persistence and guidance.

Eugene

Verified Client

I would like to thank Helen Lossev for a smooth and pain-free process with our new home loan. Highly recommend.

Jindriska

Verified Client

Helen was incredible to deal with! She went above and beyond, was extremely professional and made a tricky financial situation seamless. She is an absolute asset to the team. I have already recommended her to friends. Thank you for a wonderful experience!

Joanna

Verified Client

Your Self-Employed Lending Specialist

Meet Sam Eydlish

I spent years inside major financial institutions, managing home loan enquiries and working in internal dispute resolution. I've seen firsthand exactly how lenders assess complex income, where self-employed applications fall apart, and what it actually takes to get a difficult file approved.

I left banking to sit on your side of the table. Now I use that insider knowledge to package your application the way lenders want to see it, not the way a generalist broker assumes.

What makes EWM Finance genuinely different is the team behind me. Our firm is built on an accounting practice led by Anna Eydlish, a Chartered Accountant, Chartered Tax Advisor, and registered SMSF auditor. When your income structure is complex, you're not explaining it to someone who doesn't understand business finance. You're working with a team that understands it from the tax side and the lending side, simultaneously, something no standalone broker can offer.

Banking industry background: I know exactly how credit assessors evaluate complex income before I ever submit an application, which means fewer surprises and faster approvals.

00+ loan products, 30+ specialist lenders: Premium Broker status gives us access to non-bank lenders with self-employed policies the major banks simply don't have.

In-house Chartered Accountants: The only finance broking team where qualified accountants are part of your application strategy, not just a referral.

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FAQ

Frequently Asked Questions

Everything you need to know about getting a home loan as a self-employed borrower.

The bank told me I don't earn enough to borrow what I need. Is that really my limit?

Usually not. Banks calculate borrowing capacity from taxable income: the number your accountant works hard to reduce. We assess your actual cash flow, identify applicable add-backs, and match you to lenders whose policies are built for business owners. What a bank declines in 10 minutes is often approvable with the right lender and application.

I've been self-employed for less than 2 years. Can I still apply?

Yes, in many cases. Some lenders accept 12 months of self-employment history, and our low doc and alt doc pathways use BAS statements, accountant letters, or bank statements in place of full tax returns, so your tax strategy and your borrowing capacity stay aligned. We'll tell you upfront what's possible for your exact situation. No guesswork.

What documents do I actually need?

It depends on the pathway: full doc, low doc, or alt doc. Most lenders want 1-2 years of tax returns and financials, recent BAS statements, and business bank statements. Some alt doc options require less. We confirm exactly what's needed after reviewing your position, so you're not gathering documents that won't be used.

Will applying hurt my credit score?

Not at the assessment stage. We pull a complimentary VEDA credit file before anything else, with no impact to your score. We identify the right lender first and only submit a formal application when we're confident of the outcome. Your file stays clean until the right moment.

How long does it take to get approved?

Once your documents are in order, a conditional pre-approval typically takes a few business days. The upfront work of knowing which lender fits and packaging the application correctly means we don't lose weeks in back-and-forth with credit teams.

How much does it cost?

Nothing. Our service is completely free to you. We are paid a commission by the lender at settlement. This is standard across all Australian mortgage brokers and has no impact on your rate or terms. If any unusual scenario involves a fee, it's always disclosed and agreed before anything proceeds.

Address: 67 ATHERTON RD OAKLEIGH VIC 3166 AUSTRALIA

67 Atherton Road Oakleigh VIC 3166 Australia

Address: 67 ATHERTON RD OAKLEIGH VIC 3166 AUSTRALIA

TRUSTEE FOR ANNA EYDLISH FAMILY TRUST NO 2 "EWM FINANCE" "PROFFEE"(ABN 82573032852/Australian Credit Representative 458052) is a credit representative of Red Rock Brokers Group Pty Ltd (ACN 149 728 030/Australian Credit Licence 405961)

TRUSTEE FOR ANNA EYDLISH FAMILY TRUST NO 2 "EWM FINANCE" "PROFFEE" (ABN 82573032852/Australian Credit Representative 458052) is a credit representative of Red Rock Brokers Group Pty Ltd (ACN 149 728 030/Australian Credit Licence 405961)