Best Mortgage Broker in Joondalup for Self-Employed Borrowers
Serving self-employed borrowers, investors, and business owners across Joondalup, Wanneroo, Hillarys, Currambine, and Perth’s northern suburbs.
If you’re a self-employed mortgage broker client who’s been knocked back by the banks, you know the frustration. Your income is real. Your business is thriving. But because your tax returns don’t look like a salaried employee’s payslip, the bank sees risk where there isn’t any. I’m Ross Byrne, and as an independent finance broker in Joondalup, I work exclusively with ABN holders, sole traders, company directors, and contractors who need a specialist on their side.
Self-employed borrowing
Bank said no? We use lenders who look beyond your tax return.
Portfolio structuring
We structure debt so you don't hit a wall at property three.
Home loans & refinancing
Still on standard variable? Most clients save $300–$600/month.
Asset & equipment finance
Plant, machinery, vehicles funded fast, without killing cash flow.
ACL Licensed
Credit Representative
MFAA Member
Accredited Broker
AFCA Member
Dispute Resolution
40+ Lenders
On Panel
15+ Years
Experience
$250M+
Loans Settled
Meet Ross Byrne, Joondalup's Independent Mortgage and Finance Broker for Self-Employed Borrowersr
Ross Byrne is the founder and principal finance broker at Encharge Capital, based in Joondalup, WA. He specialises in finding home loans, investment finance, and business lending solutions for self-employed Australians, including sole traders, ABN holders, company directors, and contractors who are often unable to access lending through the major banks due to how their income is structured.
When you’re self-employed, getting finance through the major banks can feel like trying to fit a square peg into a round hole. Your income is real and consistent, but the banks don’t always see it that way. They look at your taxable income after deductions and see a number that doesn’t reflect what you actually earn. This happens to tradies, consultants, contractors, and business owners every single day across Australia.
That’s why I built Encharge Capital. After years in the finance industry, I saw too many good borrowers getting declined for the wrong reasons. Self-employed Australians shouldn’t be penalised for running their own business. You need a mortgage broker who understands how your income actually works, not someone who just runs the numbers through a standard assessment calculator.
As an independent mortgage broker operating under Australian Credit Licence guidelines and registered with the Mortgage and Finance Association of Australia, I work for you, not the bank. I’m also a member of the Australian Financial Complaints Authority, which means you have access to a free dispute resolution service if you ever need it. With access to over 40 lenders on my panel, including specialist non-bank lenders who genuinely understand self-employed income, I find solutions that the major banks simply can’t offer.
Under Best Interests Duty, I’m legally required to recommend what’s best for you, not what earns the highest commission. That’s the foundation of everything we do at Encharge Capital. If you’re a self-employed borrower in Joondalup or anywhere across Perth’s northern suburbs, you’ve found your specialist.
Ross Byrne
Finance Broker & Self-Employed Specialist
Founder, Encharge Capital
- MFAA Accredited Finance Broker
- AFCA Member for Dispute Resolution
- 15+ Years Finance Industry Experience
- Access to 40+ Lenders
- Based in Joondalup, WA
Finance Solutions for Self-Employed Borrowers, Investors, and Business Owners in Joondalup
Encharge Capital provides comprehensive finance solutions including self-employed home loans, investment property finance, refinancing, first home buyer support, and asset finance. With access to over 40 lenders, we find options that work for self-employed borrowers, ABN holders, and business owners who need more than what the major banks offer.
Self-employed borrowers and investors often need access to multiple finance types. Your broker should be able to handle all of them in one place. No referrals out, no switching brokers. Here’s what we do.
How Encharge Capital Gets Self-Employed Borrowers Approved in Joondalup
The Encharge Capital process is designed specifically for self-employed borrowers. It starts with a free assessment, moves through specialist income analysis and lender matching, and ends with full application management through to settlement. The entire process is completed with no upfront cost to you.
The entire process, from assessment to settlement, is completed with no upfront cost to you. Ross is paid by the lender on settlement.
Already been declined by a bank? That’s where we start.
One Broker, 40+ Lenders, Better Outcomes.
More choice means better rates, better terms, and a loan that actually fits your life — not just the bank’s criteria.
Encharge Capital is rated highly by self-employed borrowers, property investors, and business owners across Joondalup and Perth’s northern suburbs. Reviews reflect experiences with self-employed home loans, investment property finance, asset finance, and refinancing arranged by Ross Byrne.
I honestly couldn’t recommend Ross
and everyone at Encharge Capital highly enough. From start to finish, they made what could have been a stressful process feel smooth, clear, and completely manageable as a first time buyer. Their knowledge of the finance and mortgage market is incredible, they explained every detail in plain language and made sure I fully understood all my options before making any decisions.
Communication was excellent they were always quick to respond, always proactive, and genuinely caring about getting me the best possible deal. They went above and beyond to secure fantastic terms that I never would have found on my own.
What really stood out was how personal the service felt. It never felt transactional, they always had my best interests at heart. I felt supported, informed, and confident every step of the way.
If you’re looking for a finance broker who’s professional, trustworthy, and genuinely dedicated to helping you reach your goals, look no further than Ross and the team at Encharge Capital. A 10/10 experience from start to finish!
Would recommend 100%
Special mention to Ross, who went above and beyond to help with the process!
Real Results for Self-Employed Borrowers, Across Joondalup and Perth's Northern Suburbs
Encharge Capital has helped hundreds of self-employed borrowers in Joondalup, Wanneroo, Hillarys, Currambine, and across Perth’s northern suburbs secure finance after being declined by the major banks. These case studies show how specialist income assessment and the right lender selection make the difference.
Scenarios below are representative examples. Individual circumstances vary. Speak with Ross for a personalised assessment.
Joondalup
Self-Employed Tradie Secures First Home Loan in Joondalup After Bank Decline
Situation
A sole trader electrician based in Joondalup with 3 years in business had been declined by two major banks because his income, after tax deductions, appeared insufficient to service the loan he needed.
Challenge
His bank statements showed strong consistent cash flow but his taxable income was reduced significantly by legitimate business deductions. The banks used his taxable income as the serviceability base without add-backs.
Our Approach
Ross assessed the client’s true income using an add-back calculation, selected an alt doc lender whose policy recognises business income more accurately, and structured the application with 4 quarters of BAS statements as the primary income evidence.
Outcome
Home loan approved in the $590,000 to $620,000 range, settled within 6 weeks of first contact, without requiring 2 years of tax returns.
Wanneroo
Company Director Refinances and Unlocks Equity in Wanneroo Despite Complex Income Structure
Situation
A company director operating a small logistics business in Wanneroo wanted to refinance her existing home loan and access equity for a renovation. Her income was distributed across a company wage and director dividends.
Challenge
Two lenders had declined the refinance application because they could not reconcile the income sources. The company wage alone did not meet serviceability without the dividend income factored in.
Our Approach
Ross identified a non-bank lender whose credit policy allows dividend income to be counted alongside director wage when both are evidenced by 2 years of tax returns. Structured the refinance at a lower rate with equity released for renovation costs.
Outcome
Refinance settled at a rate lower than the client’s previous loan. Equity of approximately $95,000 released. Full process completed within 8 weeks.
Hillarys
Hillarys Landscaping Business Owner Finances New Equipment Without Disrupting Cash Flow
Situation
A self-employed landscaping business owner in Hillarys needed to finance $85,000 in new equipment, a commercial mower and trailer rig, to take on a council contract.
Challenge
The equipment purchase needed to happen within 3 weeks to secure the contract. The owner had an irregular income pattern due to seasonal trading and could not meet the standard income evidence requirements of a major bank.
Our Approach
Ross arranged chattel mortgage finance through a specialist equipment lender with a streamlined ABN-holder approval process. Repayments structured to align with the business’s invoicing cycle, minimising cash flow disruption.
Outcome
Equipment financed and delivered within 14 days. Contract secured. Repayments structured quarterly to match invoice payment terms.
Currambine
Self-Employed Investor Adds Second Investment Property in Currambine Using Portfolio Structure
Situation
A self-employed graphic designer and property investor in Currambine owned one investment property and wanted to add a second, but had been told her borrowing capacity was maxed out by her existing bank.
Challenge
Her existing investment loan had been structured inefficiently. Interest was capitalising rather than being offset, which was reducing her borrowing capacity and inflating her debt-to-income ratio unnecessarily.
Our Approach
Ross reviewed the existing loan structure, refinanced the first investment property onto an interest-only product with an offset account to improve cash flow, then used the improved borrowing position to finance the second investment property through a different lender on the panel.
Outcome
Second investment property acquired in Currambine at $680,000 to $700,000. Total portfolio now structured for growth. Both loans reviewed annually as part of Encharge Capital’s ongoing client portfolio management.
Why Encharge Capital Is Different
Most banks only show you their own products. We show you the full picture. As an independent brokerage based in Joondalup, we access 40+ lenders and use that to fight for a better deal on your behalf — every single time.
We don’t take a one-size-fits-all approach. Every client gets a real strategy, a real broker, and someone you can call when something comes up. That’s how we work, and it’s why most of our new clients come from referrals.
We’ve helped first home buyers, seasoned investors, and self-employed borrowers all across Perth — and we treat every single one the same way. No hand-offs, no call centres. Just your broker, start to finish.
Best Pricing, Every Time
We negotiate hard across our full lender panel — because a small rate difference adds up to tens of thousands over the life of your loan.
Free Consultations, No Obligation
Your first chat costs you nothing. We'll look at your situation honestly and tell you exactly where you stand — no sales pitch.
We Track Your Loan Long-Term
We don't disappear after settlement. We keep an eye on your rate and let you know when it's worth refinancing — before you even have to ask.
Real People, Real Hours
Our team is based in Joondalup and available when you need us — evenings, weekends, whenever works best around your schedule.
Serving Communities Across Western Australia
Based in Perth, our mortgage and finance brokers serve clients throughout Western Australia — both in-person and remotely.
Questions About Mortgages & Finance In Joondalup
Why use a mortgage broker in Joondalup instead of going direct to a bank?
A bank will only offer you their own products. As an independent broker, we shop across 40+ lenders — including some you’d never find on your own — and negotiate on your behalf. You get more choice and usually a better deal, all for free.
Does Encharge Capital charge a fee?
In most cases, no. We’re paid a commission by the lender when your loan settles. Your consultation is always free, and we’ll always be upfront if a fee applies in a specific situation.
Can I use my home equity to buy an investment property in Perth?
Yes, and it’s more common than you think. If you have usable equity in your Joondalup or Perth home, we can structure a loan that lets you access it for a deposit — without needing to sell your existing property.
I'm self-employed. Can I still get a home loan?
Absolutely. Getting approved as a self-employed borrower is harder through the major banks, but we work with lenders who assess applications differently. We do this regularly and know exactly what documentation works.
How long does pre-approval take?
Usually a few business days once we have everything we need from you. We move quickly because we understand that in the Perth market, being ready to make an offer matters.