--- title: Mortgages description: Mortgages --- [Skip to content](https://moneyplex.au/mortgages#main-content) [![Logo](https://moneyplex.au/hs-fs/hubfs/logo-4.png?width=220&height=40&name=logo-4.png "Logo")](https://moneyplex.au?hsLang=en-au) Call: 1300 648 147 or Book An Appointment - [Get Your Finance Approval Guide](https://moneyplex.au/get-your-finance-approval-guide-1?hsLang=en-au) - Who We Help - [Self-Employed Individuals With Families](https://moneyplex.au/self-employed-individuals-with-families-clone-new?hsLang=en-au) - [Self Employed Professionals & Tradespeople](https://moneyplex.au/self-employed-professionals-and-tradespeople?hsLang=en-au) - [Small Business Owners](https://moneyplex.au/small-business-owners?hsLang=en-au) - [Property Investors And Developers](https://moneyplex.au/property-investors-and-developers?hsLang=en-au) - [Refinancers and Consolidators](https://moneyplex.au/refinancers-and-consolidators?hsLang=en-au) - [First Home Buyers](https://moneyplex.au/first-home-buyers?hsLang=en-au) - 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[First Home Buyers](https://moneyplex.au/first-home-buyers?hsLang=en-au) - [Medical Professionals](https://moneyplex.au/medical-professionals?hsLang=en-au) - What We Do - [Mortgages](https://moneyplex.au/mortgages) - [Business And Asset Finance](https://moneyplex.au/business-and-asset-finance?hsLang=en-au) - [Private Lending](https://moneyplex.au/private-lending?hsLang=en-au) - [Personal Loans](https://moneyplex.au/personal-loans?hsLang=en-au) - [Expert Referral Partners](https://moneyplex.au/expert-referral-partners?hsLang=en-au) - [About](https://moneyplex.au/about?hsLang=en-au) - [Blog](https://moneyplex.au/moneyplex-blog?hsLang=en-au) - [Contact Us](https://moneyplex.au/contact-us-1?hsLang=en-au) - [Contact Us](https://moneyplex.au/contact-us-1?hsLang=en-au) - [Lending Strategy Session](https://moneyplex.au/lending-strategy-session?hsLang=en-au) - [Get Your Finance Approval Guide](https://moneyplex.au/get-your-finance-approval-guide-1?hsLang=en-au) - Who We Help - [Self-Employed Individuals With Families](https://moneyplex.au/self-employed-individuals-with-families-clone-new?hsLang=en-au) - [Self Employed Professionals & Tradespeople](https://moneyplex.au/self-employed-professionals-and-tradespeople?hsLang=en-au) - [Small Business Owners](https://moneyplex.au/small-business-owners?hsLang=en-au) - [Property Investors And Developers](https://moneyplex.au/property-investors-and-developers?hsLang=en-au) - [Refinancers and Consolidators](https://moneyplex.au/refinancers-and-consolidators?hsLang=en-au) - [First Home Buyers](https://moneyplex.au/first-home-buyers?hsLang=en-au) - [Medical Professionals](https://moneyplex.au/medical-professionals?hsLang=en-au) - What We Do - [Mortgages](https://moneyplex.au/mortgages) - [Business And Asset Finance](https://moneyplex.au/business-and-asset-finance?hsLang=en-au) - [Private Lending](https://moneyplex.au/private-lending?hsLang=en-au) - [Personal Loans](https://moneyplex.au/personal-loans?hsLang=en-au) - [Expert Referral Partners](https://moneyplex.au/expert-referral-partners?hsLang=en-au) - [About](https://moneyplex.au/about?hsLang=en-au) - [Blog](https://moneyplex.au/moneyplex-blog?hsLang=en-au) - [Contact Us](https://moneyplex.au/contact-us-1?hsLang=en-au) - [Contact Us](https://moneyplex.au/contact-us-1?hsLang=en-au) - [Lending Strategy Session](https://moneyplex.au/lending-strategy-session?hsLang=en-au) # Mortgages The Quickest, Easiest Way To Get The Right Mortgage When You’re Self-Employed We specialise in helping self-employed contractors, start-ups, and business owners get the right **low-interest, flexible mortgage** so you can accelerate your journey towards home ownership, business success, and financial freedom Book An Appointment **Why A Mortgage Can Be Tricky To Get When You’re Self-Employed** A mortgage is simply an agreement with a lender that enables you to borrow money in order to buy a house. Almost every homeowner has one. And it should be easy and straightforward to arrange. Especially when you’re self-employed. After all, you’re the engine room of our country, contributing more than [4.7 million jobs and $418 billion](https://www.asbfeo.gov.au/sites/default/files/2021-11/ASBFEO%20Small%20Business%20Counts%20Dec%202020%20v2_0.pdf) in revenue to our economy each year. But sadly, self-employed contractors, entrepreneurs, and business owners are too often discriminated against because you “don’t fit the standard lending criteria” for many banks. Like many self-employed professionals, perhaps you earn well but because you **don’t pay yourself a regular wage** you’re considered a risk compared to people on a weekly salary. Maybe your **cash flow is seasonal** (or variable), with most of your money coming in large payments followed by months of little revenue (something many lenders don’t like). Or perhaps you’re **just getting started** and don’t yet have a track record of figures to reflect your hard work and success. **How We Help You Get The Right Mortgage** Getting a mortgage approved when you’re self-employed is not always straightforward. That’s why it’s important to have the right experience and contacts. The team at MoneyPlex has more than 30 years collective experience helping self-employed entrepreneurs get the right mortgage so you can accelerate your journey towards home ownership, business success, and financial freedom. Our extensive network of lenders specialises in providing low-interest, flexible mortgages to self-employed entrepreneurs. And we make the whole process quick and easy by helping you with everything including: 1. **Loan Application:** Submitting incomplete or incorrect paperwork may jeopardise your loan application. We’ll provide you with appropriate guidance so you can have everything ready to maximise your borrowing capacity and loan approval. 2. **Loan Structure:** The type of loan and way you utilise the features has as much (perhaps more) significance than the interest rate. Our analysis process takes your whole situation into account to ensure you achieve maximum savings in interest and fees. 3. **Loan Optimisation:** Don’t let changing circumstances put your home at risk. We’ll help you optimise your mortgage to safeguard your home, your income, and your business if things change in the future. **Some Of The Self-Employed Entrepreneurs We’ve Helped** Over the years we’ve helped hundreds of contractors, freelancers, tradespeople, gig workers, consultants, entrepreneurs, and business owners. Here’s what some of them say about how we’ve helped them with their mortgage: ![quote](https://moneyplex.au/hs-fs/hubfs/quote.png?width=88&height=93&name=quote.png) ### "I have no hesitation in recommending" "*I have no hesitation in recommending Moneyplex for anyone needing a brokerage service".* Simon M Wollongong, New South Wales ![quote](https://moneyplex.au/hs-fs/hubfs/quote.png?width=88&height=93&name=quote.png) ### "James S" "*All in all a professional and personal service that removed stress and ensured we got the best possible outcome*.*".* James S Wollongong, New South Wales **Let Us Help You Get The Right Mortgage** Mistakes in your mortgage application can lead to rejection, which can negatively affect your credit score. Let us help you find the right low-interest, flexible mortgage so you can accelerate your journey towards home ownership, business success, and financial freedom. Book An Appointment ## Choose An Option ## To See How We Can Help Our downloadable guide shows you: ### How Self-Employed Individuals Can Get More Competitive Loan Offers From More Banks ![widguid (1)](https://moneyplex.au/hubfs/widguid%20(1).png "widguid (1)") Download Now # Request Your Lending Strategy Session This is Your Next Step Towards Getting The Most Ideal Home Loan, Investment Loan, Property Loan, or Equipment Loan ###### We respect your privacy and will never share your infirmation [![logo](https://moneyplex.au/hs-fs/hubfs/logo-1.png?width=240&height=44&name=logo-1.png "logo")](https://moneyplex.au?hsLang=en-au) Call:1300 648 147 - [Home](https://moneyplex.au?hsLang=en-au) - [About MoneyPlex](https://moneyplex.au/about?hsLang=en-au) - [Lending Strategy Session](https://moneyplex.au/lending-strategy-session?hsLang=en-au) - [Compliments & Concerns](https://moneyplex.au/compliments-concerns?hsLang=en-au) - [Contact Us](https://moneyplex.au/contact-us-1?hsLang=en-au) MONEYPLEX PTY LTD (ACN: 656 436 627) is a corporate credit representative (Representative Number 541146) of QED CREDIT SERVICES PTY LTD (Australian Credit Licence 387856). \*The amount of money we may be able to save you depends on your personal financial situation. You may not save any money at all. Copyright 2025.  All Rights Reserved.   |   [Privacy Policy](https://moneyplex.au/wp-content/uploads/2022/07/moneyplex-privacy-policy.pdf?hsLang=en-au)