Rated

Rated

by Self-Employed Borrowers Across Australia

by Self-Employed Borrowers Across Australia

Self-Employed Home Loan Specialists. Just Started, or Been Trading for Years?
We Get You Approved.

Whether you've been running your business for years or just registered your ABN, the banks' rigid rules shouldn't decide what you can borrow. As specialist home loan brokers backed by in-house Chartered Accountants with banking industry experience, we help self-employed borrowers and sole traders unlock their real borrowing capacity: qualifying on BAS statements, identifying tens of thousands in add-backs, and accessing specialist lenders unavailable through major banks.

Approved From 12 Months ABN: New sole trader or business owner? We work with lenders who don't require 2 years of tax returns. BAS statements and an accountant letter are often enough to get you approved.

The Self-Employed, Low-Doc & Alt-Doc Specialists: Our brokers identify every legitimate add-back. Depreciation, non-cash deductions and business expenses banks routinely ignore, to maximise what lenders can lend you.

The Self-Employed, Low-Doc & Alt-Doc Specialists: Our brokers identify every legitimate add-back. Depreciation, non-cash deductions and business expenses banks routinely ignore, to maximise what lenders can lend you.

The Self-Employed, Low-Doc & Alt-Doc Specialists: Our brokers identify every legitimate add-back. Depreciation, non-cash deductions and business expenses banks routinely ignore, to maximise what lenders can lend you.

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

See What You're Actually Eligible For

Trusted By Self Employed

Proven Results That Speak for Themselves

$100M+
$100M+

Settled for Self-Employed Borrowers

30+
30+

Specialist Lenders on Our Panel

15+
15+

Years of Financial Expertise

100%
100%

Free to You

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Our Solution

Self Employed Home Loans Built for Business Owners. Finally.

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Check My Eligibility

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

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

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

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.

New Business Owner? You Still Qualify

Most lenders require 2 years of financials. Ours don't. If you've been self-employed for 12 months or more, our home loan broker team can access lenders who assess your BAS statements and approve without full tax returns. No waiting. No guessing.

New Business Owner? You Still Qualify

Most lenders require 2 years of financials. Ours don't. If you've been self-employed for 12 months or more, our home loan broker team can access lenders who assess your BAS statements and approve without full tax returns. No waiting. No guessing.

New Business Owner? You Still Qualify

Most lenders require 2 years of financials. Ours don't. If you've been self-employed for 12 months or more, our home loan broker team can access lenders who assess your BAS statements and approve without full tax returns. No waiting. No guessing.

New Business Owner? You Still Qualify

Most lenders require 2 years of financials. Ours don't. If you've been self-employed for 12 months or more, our home loan broker team can access lenders who assess your BAS statements and approve without full tax returns. No waiting. No guessing.

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

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

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

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.

700+ Loan Products

Major banks often apply the same rigid policy to every self-employed mortgage application regardless of your income structure. We compare 30+ mortgage providers for self-employed borrowers including specialist non-bank lenders that accept BAS statements consider applicants after 12 months in business and use more flexible income assessment to help secure the approval your bank refused.

700+ Loan Products

Major banks often apply the same rigid policy to every self-employed mortgage application regardless of your income structure. We compare 30+ mortgage providers for self-employed borrowers including specialist non-bank lenders that accept BAS statements consider applicants after 12 months in business and use more flexible income assessment to help secure the approval your bank refused.

700+ Loan Products

Major banks often apply the same rigid policy to every self-employed mortgage application regardless of your income structure. We compare 30+ mortgage providers for self-employed borrowers including specialist non-bank lenders that accept BAS statements consider applicants after 12 months in business and use more flexible income assessment to help secure the approval your bank refused.

700+ Loan Products

Major banks often apply the same rigid policy to every self-employed mortgage application regardless of your income structure. We compare 30+ mortgage providers for self-employed borrowers including specialist non-bank lenders that accept BAS statements consider applicants after 12 months in business and use more flexible income assessment to help secure the approval your bank refused.

Qualify on BAS Statements, Not Just Tax Returns

Minimising tax is smart business. It should not lock you out of property. As your home loan broker, we compare mortgage options for self-employed borrowers, including low-doc and alt-doc pathways that use BAS statements or accountant declarations instead of full tax returns, so your tax strategy and borrowing capacity stay aligned

Qualify on BAS Statements, Not Just Tax Returns

Minimising tax is smart business. It should not lock you out of property. As your home loan broker, we compare mortgage options for self-employed borrowers, including low-doc and alt-doc pathways that use BAS statements or accountant declarations instead of full tax returns, so your tax strategy and borrowing capacity stay aligned

Qualify on BAS Statements, Not Just Tax Returns

Minimising tax is smart business. It should not lock you out of property. As your home loan broker, we compare mortgage options for self-employed borrowers, including low-doc and alt-doc pathways that use BAS statements or accountant declarations instead of full tax returns, so your tax strategy and borrowing capacity stay aligned

Qualify on BAS Statements, Not Just Tax Returns

Minimising tax is smart business. It should not lock you out of property. As your home loan broker, we compare mortgage options for self-employed borrowers, including low-doc and alt-doc pathways that use BAS statements or accountant declarations instead of full tax returns, so your tax strategy and borrowing capacity stay aligned

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

Most self employed mortgage brokers hand you off to junior staff the moment you sign. Anna manages your file personally from first call to settlement, with direct access to our accounting team whenever your income structure needs specialist review. It's the depth of support no standalone broker can match for a self employed home loan.

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

Most self employed mortgage brokers hand you off to junior staff the moment you sign. Anna manages your file personally from first call to settlement, with direct access to our accounting team whenever your income structure needs specialist review. It's the depth of support no standalone broker can match for a self employed home loan.

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

Most self employed mortgage brokers hand you off to junior staff the moment you sign. Anna manages your file personally from first call to settlement, with direct access to our accounting team whenever your income structure needs specialist review. It's the depth of support no standalone broker can match for a self employed home loan.

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

Most self employed mortgage brokers hand you off to junior staff the moment you sign. Anna manages your file personally from first call to settlement, with direct access to our accounting team whenever your income structure needs specialist review. It's the depth of support no standalone broker can match for a self employed home loan.

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

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 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

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

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 3

We Manage Everything Through to Settlement

Anna 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

Real outcomes for self-employed borrowers who needed more than a standard self employed home loan approach.

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Check My Eligibility

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.

E

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.

N

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.

L

Eugene

Verified Client

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

J

Jindriska

Verified Client

Working with Anna has been fantastic. She is always available, quick to answer any of my questions and really goes above and beyond for myself. I have continued to recommend all my friends and family to her and I can tell you with certainty that she goes above and beyond for them as well.

JG

Joshua Grounlinky

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!

J

Joanna

Verified Client

s a first home buyer, I was incredibly nervous. Working with Anna was the best decision I ever made. He not only eased all my concerns but made the process so incredibly seamless I will only continue to work only with him.

DB

Denis Brodskiy

Verified Client

I previously worked with another mortgage broker and found their timeframes as well as communication quite poor. After speaking with Anna I realised that the broker I was working with was clearly under performing. I couldn't recommend Anna enough!

JK

Joshua Kanarek

Verified Client

Your Self-Employed Lending Specialist

Meet Anna Eydlish

Anna Eydlish is the Managing Director of EWM Accountants and Business Advisors. With more than 15 years of practical experience in taxation, accounting and business advisory, she brings the tax-side expertise self-employed borrowers need when their income is more complex than a standard payslip.

Anna holds a Bachelor of Commerce and Bachelor of Laws from Monash University, a Master of Laws (Taxation) from the University of Melbourne, and a Graduate Diploma in Chartered Accounting. As a Chartered Accountant and Chartered Tax Advisor, she understands how business structures, tax returns, BAS statements and legitimate add-backs affect the way lenders assess your borrowing capacity.

What makes EWM Finance genuinely different is the accounting depth behind every application. When your income structure is complex, you are not explaining it to someone who does not understand business finance. You are working with a team that understands the tax side and the lending side together, helping you present your position clearly and pursue the most suitable lending pathway.

15+ years of tax, accounting and business advisory experience: Anna helps business owners navigate the income, structure and tax considerations that can shape a self-employed home loan application.

700+ 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.

I've only been self-employed for 12 months. Can I still get approved

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. A self employed home loan doesn't always require two years of financials when the right lender and structure are in place. We'll tell you upfront what's possible for your exact situation. No guesswork.

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.

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)

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)

Copyright © 2026 EWM Finance. All rights reserved.

Copyright © 2026 EWM Finance. All rights reserved.

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