Key Finance

Self Employed
Being self employed should not put great opportunities out of reach. We help sole traders and Pty Ltd business owners navigate lending with clarity, confidence and a structure that fits the way they actually earn.
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Common misconceptions

“I need to show a very high taxable income.”

“Being self employed means worse loans.”

“I need to wait until everything is perfect.”

We get it. We're a business too.

The values we bring:

  • Understand your business structure
  • Strategy first, suitable lenders second
  • Working through the strongest way to present your income
  • Helping you to understand the trade-offs between options
  • Mapping out the next step, whether immediate or planned.

What you’re trying to achieve

To gain finance to purchase a home, upgrade, investment property or refinance for cash-out, renovations or a better rate

Fairness

Just because you have an advantageous structure shouldn't mean being disadvanted with lending

Options

The 'big 4' mightn't be the right fit

A Plan

How to get from here to settlement

Real Client Stories

See how we’ve helped buyers, families and investors find the right loan strategy for their situation.

Competitive & Transparent Rates

Competitive & Transparent Rates

Enjoy clear, competitive interest rates with no hidden fees, giving you full visibility of your long-term costs.

Flexible Loan Terms

Flexible Loan Terms

Choose from short, medium, or long-term loan options tailored to first-time buyers as well as seasoned property investors.

Fast Approval Process

Fast Approval Process

Benefit from a streamlined application and quick approval, allowing you to secure property deals without delay.

Brand Message & Positioning

What the journey looks like

Here’s how it typically works:

01 Discovery
We chat (usually video call) to understand your goals and gather key details.
02 Checklist
You’ll get a clear list of what’s needed, and we’ll keep everything organised.
03 Strategy
Before talking lenders, we work out the smartest structure for your situation and what outcomes are genuinely achievable.
04 Shortlist
We match your strategy to the lenders most likely to support it - then sharpen the options (rates, features, policies, timeframes).
05 Approval
We package the application properly, manage lender questions, and keep you updated through conditional and unconditional approval.
06 Settlement
through the loan documents, liaise with the lender and legal parties, and guide you through to settlement day.
06 Aftercare
We check in after settlement and continue with ongoing reviews - you can always book time with us if life changes or you want to plan the next step.

What tends to feel hard (and very normal)

A lot of first home buyers come to us feeling:

01
Short on deposit, or unsure what “enough” looks like
02
Overwhelmed by information (and mixed advice from friends and social media)
03
Unsure who to trust - bank, broker, online calculators, your mate’s mate
04
Worried that existing debts (car finance, credit cards, BNPL) mean it’s a no straight away

Partners

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What Our Clients Say

Hear from clients who trusted Key Finance to guide them through important property and lending decisions with practical advice tailored to their goals.

"I have used Key Finance multiple times, each time has been a trouble free process. All follow up calls have…"

Laurie

CLIENT

"Daniel is amazing. Super helpful and made the process completely stress free. Not to mention he got me great interest…"

Sean

CLIENT

"I contacted Daniel based on the advise of a former friend, when we need to arrange finance for our new…"

Mesut

CLIENT

"My husband and I have just moved into our first family home that we purchased with help from Daniel at…"

Client – Bonnie

Helping a client keep her home

"Daniel & Marianne at Key Finance are the most knowledgeable sharp shooters in the business! Particularly when my circumstances changed…"

Client – Melinda

Debt Consolidation and Cash Out for University Fees​

"I have used Key Finance multiple times, each time has been a trouble free process. All follow up calls have…"

Laurie

CLIENT

"Daniel is amazing. Super helpful and made the process completely stress free. Not to mention he got me great interest…"

Sean

CLIENT

"I contacted Daniel based on the advise of a former friend, when we need to arrange finance for our new…"

Mesut

CLIENT

"My husband and I have just moved into our first family home that we purchased with help from Daniel at…"

Client – Bonnie

Helping a client keep her home

"Daniel & Marianne at Key Finance are the most knowledgeable sharp shooters in the business! Particularly when my circumstances changed…"

Client – Melinda

Debt Consolidation and Cash Out for University Fees​

Ready to talk through your options?

Whether your buying, refinancing or planning ahead, we’re here to help with clear and personal guidance.

Book a free consultation

FAQ’s

A straight‑talking FAQ page you can actually use. If you don’t see your question here, just ask.

What income evidence do I need?
Commonly: last 2 years’ tax returns/NOAs and sometimes BAS or financials.
What if haven’t done my tax returns?
Alternative‑doc pathways exist. Some of my 30+ lenders specialize in what the ‘majors’ don’t touch.
My taxable income is low due to deductions — can I still borrow?
Potentially. Lenders assess verified income, but some allow add‑backs or alternate verification. We’ll find the best fit.
How long do I need to have been in business?
Many lenders want 2 years; some consider new business with strong evidence. Policy varies.
Can I borrow if my latest year dipped?
Some lenders average 2 years; others use the lower/higher year with commentary. Others require just 1 year of financials. We package your story clearly for credit.
What if my structures are changing (e.g., sole trader to company)?
We’ll pre‑position the application to explain changes and choose a policy that can accommodate them.

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