Self-Employed Home Loans and Finance Built Around Your Business
We turn complex business income into clear, bank-ready applications so you can secure your next property with confidence.
Rated 5 from 186 Reviews
We turn complex business income into clear, bank-ready applications so you can secure your next property with confidence.
Rated 5 from 186 Reviews
Getting a home loan when you work for yourself feels different because traditional lenders love simple payslips. When you run a business, your income varies, tax strategies lower your taxable profit, and your financial picture is much broader than a single PAYG summary. At Harrow & Co., we work directly with business owners, freelancers, contractors, and company directors. We know how to read
If you're self-employed or own a business, your borrowing capacity is about more than just the profit on your tax return.
Many lenders can consider items such as depreciation, one-off expenses and director super contributions to better understand your true financial position. When assessed correctly, this can increase the amount you're able to borrow.
At Harrow & Co, we specialise in helping business owners secure self-employed home loans by presenting their financials the right way.
| Net Taxable Profit | + | Depreciation | + | One-Off Expenses | + | Director Super | = | True Borrowing Capacity |
|---|---|---|---|---|---|---|---|---|
| Your business profit after tax. | Add back non-cash expenses that reduce your profit but not your cash flow. | Add back legitimate, one-off or irregular business expenses. | Include additional super contributions made by the director. | A clearer, stronger picture of what you can truly borrow. |
Every lender assesses self-employed income differently. That's why choosing an experienced mortgage broker can make a significant difference to your borrowing capacity. Our team understands lender policy, identifies eligible income add-backs and structures your application to maximise your borrowing potential.
Find out what you could really borrow with a personalised borrowing assessment from Harrow & Co.
Understanding Add-Backs: Banks look at net profit, but that rarely tells the full story. We identify non-cash expenses, extra super contributions, interest payments, and one-off costs that can be added back to increase your calculated income.
Multi-Entity Accounting: Whether you operate as a sole trader, partnership, company, or family trust, we align your business figures with your personal lending goals.
In-House Accounting Alignment: Because we bring accounting, tax planning, and finance under one roof, we talk the same language as your accountant—or handle the entire review internally
Best for:
Business owners with 2+ years of completed tax returns and financial statements.
Key Benefit:
Access to standard residential interest rates and full loan features like offset accounts.
What you need:
Individual tax returns, Notice of Assessments (NOAs), and business financials.
Best for:
Growing businesses, sole traders with recent income jumps, or those behind on tax lodging.
Key Benefit:
Secure finance without waiting for full end-of-year tax returns to be finalised.
What you need:
BAS statements, business bank statements, or an Accountant's Declaration letter.
Initial Consult with Harrow & Co.
Have a chat with a qualified Mortgage Broker who will understand your situation and talk you through the next steps.
Home Loan Fact Find
Your Mortgage Broker will work with you to understand a bit more about your situation (including your financials, assets etc.) to make sure you will qualify for a Home Loan.
Home Loan Pre-Approval
Once you're approved, you can start bidding or making offers on properties you want to purchase.
Settlement
You settle on the property, your Home Loan draws-down and you're good to go!
SW
Sally Walsh
⭐⭐⭐⭐⭐ We would like to express our sincere gratitude to Warrow & Co Financial Services for their outstanding service in securing and finalising our loan in such a remarkably short time. A very special thank you to Benjamin Taylor, whose professionalism, expertise, and dedication were exceptional. Benjamin kept us informed throughout every stage of the process, always responding promptly to our questions and making what could have been a stressful experience feel seamless and straightforward. We would also like to acknowledge the wonderful support provided by the entire team, especially Zanella, Simeon, and Kevin Zhou. Their commitment, efficiency, and attention to detail made all the difference. The level of customer service and professionalism we received exceeded our expectations. We would not hesitate to use Warrow & Co Financial Services again in the future and highly recommend them to anyone looking for trustworthy, knowledgeable, and reliable financial advisers. Thank you once again for making everything so easy. Best wishes, James G
RM
Rashid Mahbub
Outstanding service, Ben is professional. knowledgeable and responsive. Highly recommended.
VP
VIRGINIA PAVLIUK
We couldn't be happier with the help we received from Harrow & Co! From the beginning, the team provided outstanding customer service. They were always quick to respond to our questions, no matter how small, and their patience made all the difference as we navigated this new area of finance. Thank you Jayden, Ben & Team for your commitment to helping us. We highly recommend them!
We look at a wide range of products available from Banks, Credit Unions & other lenders across the country. This means we can search thousands of products and make sure we're always recommending the best Home Loans for our clients.
Mortgage Brokers are there to help you find the right loan whether it be from the major banks, smaller lenders or other sources. We have a broad range of products (more than any single lender can offer) which means we can do all the legwork to find the right loan for you.
All of our Mortgage Brokers are accredited and members of the Finance Brokers Association of Australasia. They are extremely professional and provide exceptional service across a range of lending options.
We can help with Home and Investment Loans, Construction Loans, Car Loans, Personal Loans and much more. If you're looking to borrow to buy something, we can probably help.
Of course! We believe that we can find the best interest rate for you to refinance to, whether it's a Home Loan or Investment Loan.
We love helping First Home Buyers! We're experts at the entire process and can help you get the right Home Loan. We're also across the various schemes to help First Home Buyers such as the First Home Owners Grant and the various stamp duty exemptions available.
Brown Brothers Mortgages Pty Ltd ABN: 34 653 389 318. Credit Representative #554374 is authorised under Australian Credit Licence #384704.
Disclaimer: This page provides general information only and has been prepared without taking into account your objectives, financial situation or needs. We recommend that you consider whether it is appropriate for your circumstances and your full financial situation will need to be reviewed prior to acceptance of any offer or product. It does not constitute legal, tax or financial advice and you should always seek professional advice in relation to your individual circumstances.
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