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
JJ
Joanna Jodeh
google
“Highly recommend Mortgage Pass. Excellent service from start to finish. Julie made the whole process so much easier! She’s extremely thorough, goes above and beyond to find the best deal, and keeps you updated every step of the way. Very professional, knowledgeable and always happy to help. If you’re looking for a reliable and helpful broker, Julie is your go-to!”
Posted on Google · 2026-10-01
SJ
Shorouk Jodeh
google
“We wanted to cash out against our home to renovate and had no idea where to start. Julie was so helpful from day one. She walked us through all our options, explained the numbers clearly, and found us a great deal that let us access the equity without messing up our existing loan. Communication was excellent the whole time, everything was handled quickly and settlement was smooth. Made what could have been stressful actually really easy. Highly recommend Julie if you need a mortgage broker.”
Posted on Google · 2026-09-26
LR
Lisa Ralph
google
“We couldn't recommend Julie from Mortgage Pass highly enough! From the very beginning, Julie was professional, knowledgeable, and incredibly supportive throughout what turned out to be a challenging loan process. Thanks to Julie's hard work and determination, we've secured the finance to build our dream home. If you're looking for a mortgage broker who will go the extra mile, Julie is the person to call. Thank you, Julie, we're so grateful for everything you've done to help make our dream a reality!”
Posted on Google · 2026-06-26
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 HillNSWNewingtonNSWRydalmereNSWMerrylandsNSWParramattaNSWSilverwaterNSWWentworthvilleNSWNorth ParramattaNSWConstitution HillNSWSydney Olympic ParkNSWSouth 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
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
HoursMonday9:00 am – 6:00 pm
Tuesday9:00 am – 6:00 pm
Wednesday9:00 am – 6:00 pm
Thursday9:00 am – 6:00 pm
FridayToday9:00 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/