Self-Employed & Thinking About Refinancing?
Understand whether refinancing makes sense for your situation — and what lenders may look for before you move forward.
Common Reasons Self-Employed Borrowers Refinance
High than expected interest rates
Accessing equity (cash-out)
Consolidating debts
Fixed rate expiry
Improving loan structure
Refinancing can be beneficial — but only if your current situation supports it.
Why Refinancing Can Be More Complex When Self-Employed
Refinancing isn’t just about getting a better rate — your income is reassessed as if you’re applying again.
Lenders may review:
- Your most recent financials
- Income consistency
- Business performance
- Overall financial position
This means refinancing isn’t always straightforward — especially if your situation has changed.
Start With Understanding Where You Stand
Before making any changes, it’s important to understand whether refinancing is realistic for your situation.
We help you:
✔ Understand how your income may be viewed
✔ Identify what may impact your refinancing options
✔ Clarify what lenders typically look for
✔ Understand what your next step could be
No pressure — just clarity before you move forward.
How the Preparation Process Works
- Book a Loan Preparation Call
- Discuss your current loan and situation
- Understand how refinancing may be assessed
- Get clarity on your next step
From there, you can decide how you’d like to move forward.
Ready to See If Refinancing Makes Sense?
Start with a simple conversation to understand where you stand and what your options could be.
Not ready to book yet?
Avoid unnecessary applications
Applying to refinance without understanding your position can lead to:
Declines
Credit file impact
Delays
Starting with clarity can help you avoid this.
Important: We are not a lender or mortgage broker and do not provide credit advice. We provide education and preparation support.
Where appropriate, we may introduce you to a licensed Australian mortgage broker who can assess your circumstances.