Residential Mortgage Broker Brisbane.
For Business Owners, Professionals and Complex Borrowers.
Home loans for the self-employed, business owners, Professionals and those whose income doesn’t fit a bank’s standard tick-box. We get it right where others give up.
✓ Self-Employed Specialists
✓ 12+ Years Experience
✓ 40+ Lenders
THE BRIEF
Your Bank Doesn’t Understand Your Business. We Do.
Self-employed income can look messy on paper: distributions, trust drawings, variable wages, multiple entities. We understand how to read your financials correctly and present your real earning capacity to lenders in a way that reflects your actual position. If your bank has knocked you back, it’s often not your income that’s the problem it’s how it was presented.
WHO & WHAT WE HELP WITH
Who We Help With Residential Lending
First Home Buyers
Navigating your first purchase with confidence, even with complex income.
Home Upgrades
Structured correctly to free up equity and position for your next move.
Refinancing
We watch the market so you don’t have to. Proactive reviews included.
Self-Employed Applicants
Trusts, distributions, variable drawings, we speak your language.
Professionals
Your income tells a story banks often miss. We translate it correctly.
Property Investors
Investment loans structured around your tax position and portfolio goals.
HOW IT WORKS
A Clear Four-Step Process
1
Book a free strategy call
2
We review your structure, goals, and strategy
3
We research 40+ lenders and
present the right options
4
We manage the application and coordinate to settlement
Ready to Find Out What You Can Borrow?
The SET Finance Difference
A mortgage broker who works with your whole advisory team
Most brokers find you a rate and file the paperwork. SET Finance works differently. Before recommending a single product, we coordinate directly with your accountant and financial planner to make sure your home loan fits your tax position, your business structure, and your long-term strategy.
faq
Common Questions
Yes, self-employed borrowers are a core specialisation. We understand how to document distributions, trust drawings, and variable income so lenders see your real earning capacity. If you’ve been knocked back before, a 30-minute call is worth it.
A bank rejection doesn’t mean you can’t borrow, it often means your income wasn’t presented correctly. We access 40+ lenders and know which ones understand business income structures.
Most straightforward approvals settle within 4–6 weeks of application. More complex structures take longer. We’ll give you a realistic timeline at the start and keep you updated every week.
No. We’re paid by the lender at settlement. There is no cost to you.
Lenders treat trust income differently. We understand how to structure and present trust distributions to maximise your borrowing capacity while maintaining a compliant application.