Self-employed refinance
Self-employed home loan refinance Australia — without waiting on your accountant forever.
If you run a business, trust, or company and your home loan rate no longer fits, refinancing is possible — but the documentation lane matters as much as the rate. We package full-doc, alt-doc, BAS-only, and streamlined refinance paths across 40+ lenders so you do not lodge the wrong file twice.
- ✓See whether you fit full-doc, alt-doc, BAS-only, or a streamlined Easy Refinance lane before you pay discharge fees.
- ✓Compare retention vs external switch with break-even, term-for-term maths, and lender policy — not a comparison-site headline.
- ✓Melbourne-based broker, Australia-wide files — same human from first call to settlement where possible.
WhatsApp: 0400 77 77 55 · Refinance playground
Retention quote in writing first — then external compare. Term-for-term, not a silent 30-year reset.
Check my refinance laneWhat happens on your first call
Three steps — rate review, evidence lane, retention vs switch.
- 1
Baseline your current loan
Rate, comparison rate, balance, fixed expiry, offset, and 12-month repayment conduct — we need the real starting point before any switch maths.
- 2
Pick the evidence lane
Full tax returns, BAS-only, accountant letter, or repayment-track-record refinance — the wrong lane costs weeks. We match structure to lender policy.
- 3
Retention first, then external
Many files improve with an internal repricing call. If external wins after fees, we lodge with documents aligned — not a folder dump on day one.
Why self-employed refinance is different
Purchase loans and refinance files use the same lenders — but refinance timing often collides with tax lodgement, ATO plans, and loyalty-tax inertia.
Income is not one payslip
Sole traders, Pty Ltd directors, trusts, and partnerships each trigger different document packs. Lenders also shade add-backs differently — presentation beats optimism.
Timing beats panic
Refinancing in October while last year’s return is unlodged is common — and commonly stalled. Alt-doc or Easy Refinance may beat waiting, if policy allows.
Rate is half the decision
Term reset to 30 years, offset portability, cashback clawback, and ATO debts on statements can erase a “0.40% win”. We model the full switch, not the monthly line only.
Lender lanes we compare on your file
Policy moves — we check live criteria against your BAS, returns, and repayment conduct before you lodge.
Often lines up
Full-doc refinance
Two years of personal + business returns and NOAs — best pricing when records are current and income is stable or rising.
Case by case
Alt-doc / BAS-only
When tax returns lag but BAS and bank credits tell a clean story — fewer lenders, but often the right lane for urgent rate relief.
Often lines up
Easy Refinance (track record)
12+ months clean repayments on the existing loan may allow a streamlined refinance without a full income rebuild — LVR and cash-out caps apply.
Easy to trip on
ATO debt & payment plans
Undisclosed tax debts on bank statements are a common decline trigger — disclose early and match lender appetite before you pay switching costs.
Case by case
Non-bank & second-tier panel
When major-bank policy says no, specialist lenders may accept shorter ABN history or alt-doc — pricing and features trade off differently.
Often lines up
Melbourne & remote Australia
Files are prepared digitally — Melbourne meetings available, but most self-employed refinances lodge with PDF evidence and broker-led lender contact nationwide.
Self-employed
Document checklist before you apply
BAS, tax returns, trust deeds, and liability lists — what Australian lenders typically ask self-employed borrowers to provide.
Quick check
Am I paying too much?
Enter your loan balance and current rate for an indicative saving band — lighter than a full refinance model. Not a quote; book a review when you want retention vs external lenders checked on your file.
Indicative saving band
$98 – $233/mo
- Rate band (illustration)
- 5.85% – 6.20%
- Repayment could land around
- $3,540 – $3,675/mo
Guides & tools
General information only — your lane is confirmed when we review your file.
- Self-employed hubPathway playground, income estimator, document library, and 30+ FAQs in one workspace.Open →
- Easy Refinance pathway (blog)When repayment history can stand in for fresh tax returns — eligibility, caps, and risks.Open →
- Refinance playgroundBreak-even, term reset trap, and loyalty-tax band — model before you switch.Open →
- Documents checklist 2026Line-by-line pack for sole traders, companies, and trusts before you lodge.Open →
- Bank statements playbookClean up gambling, BNPL, and cash deposits before assessors read 90 days of conduct.Open →
- General refinancing guideBreak-even maths, cashback clawback, fixed break costs, and retention vs switch.Open →
Bishnu Adhikari · ACR 538895, auth. under ACL 390261 · Yellow Brick Road · Melbourne & Australia-wide
Self-employed refinance — FAQ
People Also Ask style answers — not personal tax or credit advice.
Self-employed purchase loans · Self-employed hub · Refinancing guide
On a high rate while your accountant is still on last year’s return?
Send your structure (sole trader / company / trust), current rate, balance, and rough ABN length — we reply business days with the lane worth pursuing first.
Prefer the phone? 0400 77 77 55 — direct line to Bishnu Adhikari.
Important information
The information on this website is general in nature only. It does not take into account your objectives, financial situation, or needs, and you should consider whether it is appropriate for you before acting on it.
Credit assistance and lending are subject to lender assessment, terms, conditions, fees, charges, and eligibility criteria. A loan product that suits one borrower may not suit another.
You should consider obtaining independent legal, financial, and taxation advice before making decisions about credit or property.