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Anchor Mortgage Brokers

  • Your Business Works Differently

    Understanding Your Loan Options

    Traditional lending criteria can differ from how many self-employed income structures operate. Irregular income, no payslips and financials that may not always reflect income patterns in a straightforward way.

    At Anchor, we provide information to self-employed Australians about available lending pathways and requirements. We take the time to gather relevant information about your business for the purpose of the credit application, explain what lenders look for, and outline the steps involved in the lending process so you can make informed decisions.
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You Work Hard
Lending Can Feel More Complex When You’re 
​Self-Employed

Being self-employed means juggling everything; clients, invoices, BAS statements, staff, cash flow. Yet when it comes to applying for a loan, the way you earn can add additional steps to the lending process. 


It’s easy to feel successful in your business… yet still find that standard lending criteria can be more difficult to meet. 


This is where specialist lending information can be helpful...
At Anchor Mortgage Brokers, we understand the realities of business income and can provide information about how different lenders assess self-employed income and documentation.

Discover My Loan Options

How Business Income Is Assessed in Lending

Self-employed income rarely fits neatly into a standard payroll box. Self-employed income can be assessed differently where financials do not align with standard employment structures.


How we assist with the lending process.

See My Loan Options

"My income looks low on paper because I reinvest in my business."

Some lenders consider alternative documentation or different assessment methods for self-employed income. We provide general information about how different lenders may assess self-employed income.

"My income changes month to month."

We assist with preparing information commonly requested by lenders to reflect business income over time

"I don’t have two years of tax returns yet."

Certain lenders may consider BAS statements, business bank statements, or accountant-prepared financial information, depending on their policies.

"The bank doesn’t understand my business model."

We help explain your business clearly and accurately, so the application information aligns with lender documentation requirements.

Understanding the Loan Process for Business Owners

Understanding Business Information for Lending

We take the time to understand how your business operates and assist with preparing lender-required financial information.

Explaining Lending Options for Self-Employed Borrowers

We provide general information about how different lenders assess self-employed income and the types of loan features commonly offered.

Assisting with the Application Process

We coordinate documentation, prepare your application, and liaise with lenders throughout the process, to support the progression of the application process.

Explore My Loan Options

Understanding Different Loan Types for Self-Employed Borrowers

Eligibility for full-documentation or alternative documentation loans depends on a range of factors. We provide general information about the differences between loan documentation types and common lender assessment criteria.


Our role is to outline the available options so you can make informed decisions.

Find Out More

The Anchor Advantage™ 
Support That Continues as Your Business Evolves

The self-employed journey doesn’t stand still, and neither does good loan support. Through the Anchor Advantage™, we offer optional check-ins after settlement to help you stay informed about your loan and understand how it continues to align with your circumstances.


As your business changes, we’re here to answer questions, review your loan when needed, and explain what lending options may be available to you. 


Clear guidance. Ongoing communication. Support you can rely on.

Stay Connected With Anchor

What Makes Anchor Different?

Personal Service, Always

You’re never a number to us. When you work with Anchor, you get a dedicated broker who listens, understands your story, and supports you through every stage of the lending journey.

No call centres. No being passed around. Just real people who care about helping you move forward with confidence.

We handle the hard stuff

Loan applications involve a lot of moving parts — and that’s where we step in. We compare lenders, prepare your documentation, and coordinate the process so you can focus on what matters most.


Less stress. More clarity. Support at every stage.

Access to 25+ Lenders

Your situation is unique, and your lending options should be too.

We work with over 25 lenders, giving you access to a broad mix of banks and specialist providers so you can explore what may be right for your needs.


From self-employed income to refinancing or credit challenges, we’re here to help you understand the pathways available.

Clarity, Not Confusion

We keep things simple. No jargon, no overwhelm, just clear explanations, open communication, and guidance you can trust throughout your loan journey.


You’ll always know what’s happening, why it’s happening, and what to expect next.

Ongoing Support

We’re here for the long run. With the Anchor Advantage™, you’ll receive clear communication, periodic reviews, and insights to help you stay informed about your loan as your circumstances evolve.


Whenever questions come up, now or in the future, you’ll know exactly who to call.

Trusted by Lenders. Loved by Clients.
​We partner with Australia’s leading financial institutions — so you can trust your future is in safe hands.

Trust & Testimonials

We’re proud to help Australians feel anchored. Here’s what some of them say.

"After several setbacks, Anchor helped me understand my options."

Tom runs a thriving contracting business, but with only 11 months on his ABN, he found the lending process tougher than expected. He came to Anchor feeling frustrated and unsure what to try next. We reviewed his circumstances, helped him understand which lenders might consider early-stage businesses, and supported him through the application process.


"Anchor took the time to understand how I actually earn. They explained everything clearly and made the whole experience feel less overwhelming"

Tom, Self-Employed

"I finally felt heard."

Sarah had been running her design studio for two years, but her income fluctuated month to month. She felt nervous about speaking to a broker because she assumed her financials wouldn’t "look good enough."


We walked her through what lenders consider, helped her organise her documents, and explained alternative verification options that might apply to her situation.


"It was the first time someone listened without judging my income. Anchor explained what was possible for someone in my situation, and I left feeling hopeful instead of stressed."

Sarah, Creative Business Owner

"They Made the Process Make Sense."

Michael and his partner had been relying on their accountant for loan advice but still felt confused about what lenders needed from self-employed applicants. They came to Anchor for clarity.


We reviewed their business financials, explained what lenders look for in hospitality income, and helped them prepare a strong, well-organised application.


"Anchor didn’t promise anything — they just explained everything clearly. For the first time, the lending process actually made sense. That alone was worth it."

Michael, Café Owner

These testimonials reflect the specific circumstances of the individual clients. Lending outcomes vary depending on personal financial situations, lender criteria, and loan requirements. Loan approval is not guaranteed. 

These aren’t just loans — they’re important moments.

At Anchor Mortgage Brokers, we’re committed to providing clear guidance and steady support, helping clients feel informed and confident at every stage.