Business Loans
Business finance matched to what it pays for: stock, equipment, vehicles, premises or cash flow.
Merrylands · Mortgage broker
Home and business loans for self-employed borrowers
Self-employed borrowers are often declined for paperwork, not income. We prove your income the way lenders accept it, using tax returns, BAS, bank statements or an accountant's declaration, and match you with lenders who understand company and trust structures.
Bank checklists are built for payslips. If you are a sole trader, ABN holder, freelancer, contractor or company director, your real income can hide inside company profits, trust distributions, depreciation and one-off expenses. Before broking, Julie spent years working with businesses in building, fresh produce and retail, so she reads financials the way a credit assessor will.
| Documentation | What it usually involves | Trade-off |
|---|---|---|
| Full doc | Two years of personal and business tax returns and notices of assessment | Widest lender choice, best rates |
| Low doc or alt doc | BAS, business bank statements, or an accountant's declaration | Fewer lenders; often a higher rate or lower maximum loan-to-value |
Loans we arrange for self-employed clients: low doc home loans, business loans, asset loans, refinancing, commercial property loans, and vehicle and equipment loans. Industries we work with most: construction and trades, hospitality, agriculture, and professional services.
Builder Construction Loans
Finance for residential and commercial projects, from duplexes and NDIS-compliant homes to office fit-outs and incomplete builds.
Finance for Professionals
Home loans and business finance for doctors, dentists, lawyers, accountants, engineers, architects and consultants.
Tradies Finance
Finance for plumbers, electricians, carpenters, landscapers, tilers and other trades, whose income often swings month to month.
What we do
Self-Employed Loans
For sole traders, company owners, trusts and borrowers with irregular income.
What’s included
- A structure review: sole trader, company or trust
- A choice of full doc or alt doc, based on what you have and what it costs
- Income presentation with add-backs and recent results
- Lender match and application
- A review once full financials are available
Problems we solve
- Being declined for paperwork, not income
- Income hidden in company profits and trust distributions
- Tax returns that are behind
- A short trading history
- Tax minimisation lowering borrowing power on paper
How it works
How we deliver
1
Structure reviewsole trader, company or trust; who earns and who draws what.
2
Documentation choicefull doc or alt doc, based on what you have and what it costs.
3
Income presentationadd-backs and recent results laid out so the lender sees what you earn.
4
Lender match and application.
5
Approval and settlementthen a review once full financials are available, which can open cheaper full-doc lenders.
Pricing
Honest, up-front pricing
Starts with a free assessment
The lender that funds your loan pays us a commission when it settles. If a fee ever applies, for example on a complex or commercial loan, it is agreed in writing before any work starts, and our credit guide sets out exactly how we are paid.
Reviews & ratings
Loved by the local community
PB
Phoebe Blamey
google
“The brilliant thing about Julie is her next level understanding of money in your business and how to help a business owner borrow money”
Posted on Google · 2026-11-12
NM
Neil Manuel
google
“Awesome broker, highly recommended for any of your finance needs!”
Posted on Google · 2026-11-01
GO
Gareene Ohanian
google
“I highly recommend Julie from Mortgage Pass in Merrylands. She’s so professional, knowledgeable and caring. Her advice is beyond what you will ever receive from a bank. julie managed to secure our first home buyer pre-approved loan in no time. We are so happy to have found our forever home and settled our loan with ease. Thank you Julie & the Mortgage Pass team.”
Posted on Google · 2026-10-21
Meet your team
Led by people, not a faceless help desk
JJ
Julie Judge
Self-Employed Loans lead · Diploma of Finance and Mortgage Broking Management
Mortgage broker in Merrylands and nearby
Areas we serve
These are just some of the local suburbs we cover.
SydneyNSWBurwoodNSWConcordNSWHolroydNSWHomebushNSWLidcombeNSWRosehillNSWGranvilleNSWGuildfordNSWMays HillNSWNewingtonNSWRydalmereNSWMerrylandsNSWSydney Olympic ParkNSWSilverwaterNSWWentworthvilleNSWNorth ParramattaNSWConstitution HillNSWParramattaNSWSouth WentworthvilleNSW
Popular searches
Service options
Onsite servicesOnline appointments
Amenities
Gender-neutral restroom
Crowd
LGBTQ+ friendlyTransgender safespace
From the business
Identifies as women-owned
FAQs
Questions answered
Can I get approved without full financials?
Yes. Many lenders Mortgage Pass works with offer low doc or alt doc loans using BAS, bank statements or an accountant's letter.
How long do I need to be self-employed?
Many lenders Mortgage Pass compares want two years; some accept one year, or less with prior experience in the same industry.
What is the difference between low doc and alt doc?
Mortgage Pass explains it this way: both use alternative evidence of income; alt doc usually means specific documents such as BAS or bank statements.
Will my add-backs count?
Often. Mortgage Pass checks which lenders count add-backs such as depreciation and one-off costs, as it depends on the lender.
Does tax minimisation affect my borrowing?
Yes. A lower taxable income can reduce borrowing power on paper, so talk to Mortgage Pass before end of financial year.
Business information
Mortgage Pass
Address
1/219 Merrylands Road, Merrylands NSW 2160Get directions →
Phone
Booking link
Hours
HoursSee all →
Website
Plus Code & geo
Credit licence
Australian Credit Licence 387025
Find us
Hours, directions and map
- Address1/219 Merrylands Road
Merrylands NSW 2160 - StatusHours
- Google Plus Code
5X7Q+HH
Opening hours
HoursMondayToday9:00 am – 6:00 pm
Tuesday9:00 am – 6:00 pm
Wednesday9:00 am – 6:00 pm
Thursday9:00 am – 6:00 pm
Friday9:00 am – 6:00 pm
SaturdayClosed
SundayClosed
Status: Open today 9:00 am – 6:00 pm
Sources & references
- (n.d.). RG 273 Mortgage brokers: Best interests duty. ASIC. https://asic.gov.au/regulatory-resources/find-a-document/regulatory-guides/rg-273-mortgage-brokers-best-interests-duty/
- (n.d.). Search ASIC's professional registers. ASIC. https://asic.gov.au/online-services/search-asic-s-registers/professional-registers/