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Merrylands · Mortgage broker

Self-Employed Loans Near Me | NSW

Looking for self-employed loans near you? Mortgage Pass is based in Merrylands and serves the surrounding NSW area, including Sydney, Burwood, Concord, Holroyd, Homebush, Lidcombe. Call 0455 510 512 or send an enquiry below.

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

5
Based on 53 Google reviews
553
40
30
20
10
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
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 →
Hours
Plus Code & geo
5X7Q+HH · -33.83602, 150.98890Open map →
Credit licence
Australian Credit Licence 387025

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Find us

Hours, directions and map

  • Address1/219 Merrylands Road
    Merrylands NSW 2160
  • StatusHours
  • Google Plus Code5X7Q+HH
Get directions to Merrylands

Opening hours

Hours
Monday9:00 am – 6:00 pm
Tuesday9:00 am – 6:00 pm
Wednesday9:00 am – 6:00 pm
ThursdayToday9:00 am – 6:00 pm
Friday9:00 am – 6:00 pm
SaturdayClosed
SundayClosed

Status: Open today 9:00 am – 6:00 pm

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