Self Employed Home Loan Wollongong
Welcome to Wollongong's Self Employed Home Loan
experts.
SimpleFin are Wollongong Self Employed Home Loan experts, helping locals across all of wider Illawarra get stress-free loans. Simply get in touch to discuss your Self Employed Home Loan goals.
We had a great experience with Greg from SimpleFin regarding what to do with our home loan, the funds we had in offset and how we could look to invest for our future. We would have set our home loans up all wrong if it wasn't for Greg. Highly recommend working with him, it was great!." ⭐⭐⭐⭐⭐
Self Employed Home Loan Mortgage Brokers that care
We help you find better Self Employed Home Loan options.
Your first home or your fifth, SimpleFin help make Wollongong home loans and financing simple. With access to 60+ leading lenders, no pushy sales, no confusing lingo, just local finance experts that find real options that works for you.
Greg began his broking career in 2014 at a boutique mortgage brokerage on Sydney’s Northern Beaches, quickly mastering the ever-changing lending landscape. In 2016, he joined NAB as an in-house mortgage broker, working with MLC (now IOOF/Insignia) Financial Planners, where his strong relationships and client-first approach led to rapid success.
From 2017 to 2024, Greg held key roles at PLAN, Choice, FAST, and Loan Market, ultimately serving as State Manager under Loan Market’s new private ownership.
Now, as a proud Wollongong local with a young family, Greg is dedicated to helping Wollongong locals achieve their financial dreams through home ownership and wealth creation.
1. Local Self Employed Home Loan experts.
Every question you have, no matter how big or small, gets a straight answer from the same person every time. You’ll always know exactly where you & your loan stands.
2. Jargon-free advice.
Home loans come wrapped in language most people don't use. LVR, LMI, comparison rates, serviceability. We cut through the noise and explain everything simply & practically.
3. More lender choice.
With 60+ lenders on our panel, we compare options and negotiate on behalf of our Self Employed Home Loan clients, so they can see how their loan stacks up.
We compare 60+ lenders to find a Self Employed Home Loan solution that works for you.
We work with Australia’s leading banks and non-bank lenders, giving you more options and loans tailored to your exact needs. No bias, just what works best for you.
WOLLONGONG MORTGAGE BROKER REViews
“We couldn’t be happier with the service we received from Greg at SimpleFin. We went to him with quite a complicated financial arrangement, and he made the whole process feel so much easier and more manageable. He was incredibly helpful and genuinely cared about getting the best outcome for us. We’re so grateful for his guidance and highly recommend him to anyone. Thanks again Greg!"
Annelie Watt
June 2026
★★★★★
Contact our Self Employed Home Loan expertS
Chat to our Self Employed Home Loan experts today.
We've been helping Wollongong home buyers, investors and families since 2014, with Self Employed Home Loan
advice that works for you - not the bank.
Get in touch.
We'll reply the same way you contacted me, unless you say otherwise.
Contact Us
FAQs.
A Wollongong Self Employed Home Loan
should be simple, transparent and tailored to you. Here are some questions we're asked, with no jargon.
Is it harder to get a home loan when self employed?
Not necessarily, but it is assessed differently. Instead of payslips, lenders rely on your tax returns and financial statements to establish your income, and they treat add backs and fluctuating income in their own ways.
The result is that borrowing capacity can vary significantly between lenders for the same person. The key is choosing a lender whose policy suits how your income is structured.
What is a low doc home loan?
A low documentation loan is for self employed borrowers whose tax returns do not fully reflect their current income, for example where returns are not yet lodged. Instead of full financials, the lender assesses income using business bank statements, an accountant's declaration or BAS statements.
Low doc lending is assessed carefully and can carry different pricing and deposit requirements, so we compare it against a full documentation application before recommending a path.
How many years of financials do I need?
Full documentation applications usually rely on one to two years of tax returns and financials. Where you have less history, some lenders will still consider you, particularly with a strong industry background or a low doc approach.
We match your available evidence to the lenders most likely to approve, rather than have you apply blindly and risk a decline.
Can I use my most recent year only?
Some lenders will assess you on your latest year's figures where income is rising, while others average two years. If your most recent year is stronger, choosing a lender that uses it can materially increase your borrowing power.
We know which lenders take which approach and steer your application accordingly.