Self Employed Loans In Joondalup
Getting a loan when you’re self employed shouldn’t be this hard. At Encharge Capital, we work with Joondalup business owners, tradies, and sole traders every day — and we know how to get your application across the line. Been self employed for 2 months or 10 years? We’ve got a lender for you.
Why Your Self Employed Loan Journey Starts Here
Banks are great — until you walk in as a self employed borrower. Then suddenly your two years of tax returns aren’t good enough, or your income is “too inconsistent,” or they want 12 documents you’ve never heard of. Sound familiar? Yeah, we know.
Here in Joondalup — and across Perth — we work with self employed borrowers every single day. Tradies, small business owners, freelancers, contractors, sole traders. We know how these lenders look at your income, what they want to see, and how to put your application together so it actually works.
We’ve got access to over 40 lenders from one place. That means instead of you running around to five different banks and getting knocked back, we do the legwork, find the right fit, and help you get the outcome you’re after.
How We Get Your Self Employed Loan Sorted in Joondalup
Choose from over 40 Lenders, all in one place
Why Joondalup Self Employed Borrowers Choose Encharge Capital
Getting finance when you’re self employed has a reputation for being difficult — and honestly, if you go to the wrong lender without proper preparation, it can be. But it doesn’t have to be that way.
The reality is that Australia has dozens of lenders who genuinely understand self employed income and have products built around it. The issue is knowing which ones they are, how they assess business financials, and what they actually need to see in an application. That’s exactly what we do.
At Encharge Capital, we work with self employed borrowers every day — sole traders, business owners, contractors, freelancers, and everyone in between. We understand how to read a set of business financials, how add-backs work, and how to position your income so lenders see the full picture rather than just the number on your last tax return. Whether you need a full doc home loan, a low doc product, a no doc solution, a car loan for the business, or a personal loan — we match your situation to the right lender across our panel of 40+ and make the process as straightforward as it should be.
We Get Self Employed Income
We don't need you to be a PAYG employee. We work with sole traders, companies, trusts — all of it.
Low Doc & No Doc Loans Available
If your financials aren't clean or up to date, we have low doc and no doc options that still get the job done.
Loans Under 2 Years Self Employed
Just started out? Some lenders will still work with you. We know which ones and how to make it work.
Car & Personal Loans Too
Not just home loans. We can also help with car finance and personal loans for self employed borrowers.
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!
Common questions from Joondalup Self Employed Borrowers
Can I get a home loan if I'm self employed in Joondalup?
Yes, absolutely. Self employed borrowers can get home loans — it just needs to be set up the right way. Most lenders want 2 years of tax returns, but we also work with lenders who only need 1 year, or who will accept your BAS statements or business bank account as proof of income instead.
What if I haven't been self employed for 2 years yet?
This is one of the most common questions we get. The good news is yes — some lenders will consider applications with less than 2 years self employment, especially if you were previously employed in the same field. We’ll look at your full picture and match you with the right lender.
What's a low doc loan and do I need one?
A low doc loan is for self employed borrowers who can’t provide the standard financial documents — usually because your tax returns aren’t up to date, or your income doesn’t show clearly on paper. Instead of full financials, you might just need a signed accountant letter or 12 months of BAS statements. They usually come with a slightly higher rate, but they get the job done when a standard loan won’t.
How long does it take to get approved?
Once we have all your documents, most of our Joondalup and Perth clients get conditional pre-approval within 24–48 hours. Full approval typically takes 5–10 business days depending on the lender and your situation.
Can I get a personal loan as a self employed borrower?
Yes. We help self employed borrowers with personal loans, car loans, and home loans. A lot of personal lenders are fine with self employed applicants — it’s just about presenting the income clearly and picking the right one.