Securing a mortgage can be one of the most important decisions of your life, especially if you’re self-employed or a business owner. Traditional lenders often overlook the complexities of self-employed income, making it difficult to secure the right loan. That’s where SF Capital comes in. As the leading mortgage broker for self-employed individuals and business owners, we provide tailored lending solutions that fit your unique financial situation.
First Home Buyers
We guide first-time buyers through the complex home loan process, offering tailored advice and support. We help you navigate the challenges of securing finance, ensuring that you can enter the property market with confidence and clarity.
Property Investors
Whether you’re a seasoned investor or just starting out, SF Capital provides expert lending solutions for property investors. We specialise in structuring loans that maximise your investment potential, giving you the financial flexibility to grow your portfolio.
Construction Loans
Are you building your dream home or investment property? SF Capital simplifies securing construction loans, helping you manage funding at each project stage. Our tailored solutions ensure you have the finance in place to bring your vision to life, from foundation to finish.
Why is SF Capital the best Mortgage Broker in Sydney for business owners?
Our award-winning team prides themselves on providing exceptional service. We’re not just a standard Sydney Mortgage Broker but a financial partner for your personal, professional, and business goals.
Expertise in Self-Employed Financing
Most mortgage brokers are trained to deal with salaried individuals, but we go beyond the basics at SF Capital. We specialise in helping self-employed professionals and business owners with non-traditional income streams or complex business structures. We understand the challenges you face and know how to present your financials to get you approved.
Tailored Solutions for Sydney’s Entrepreneurs
As a business owner, you may have multiple income sources, fluctuating cash flow, or intricate financials that don’t fit into the standard lending boxes. SF Capital excels in finding the most optimal lending solutions that fit your circumstances. We don’t just look at your income—we look at your entire financial picture to present the best possible case to secure your loan.
Confidence in Every Transaction
We ensure that you can confidently buy property or secure a business loan, even with complex financials. We navigate the lending landscape for you, providing clear communication and reliable timelines throughout the process.
Ready to partner with the leading Sydney Mortgage Broker?
Get in touch for a personalised consultation with our team. We can help you understand your loan potential and take the next steps to securing financing.
Contact Us
8 steps from our Finance MADE EASY process
Our experienced team of mortgage brokers take the complexity out of securing financing with an efficient and highly tailored service that suits your unique needs. We have perfected a process we call Finance MADE EASY:
Meet and Discuss: We start by discussing your goals. Are you buying your home or an investment property? What is your target purchase price? Do you have enough of a deposit?
Assess Your Supporting Documents: We collect the documents required to approve your loan. We assess your borrowing capacity, deposit requirements, and contact lenders regarding your scenario.
Decide on Strategy and Lender: Together, we finalise your property budget, deposit, and financing strategy. We then present your most competitive lending solutions, backed by our Best Rate Guarantee.
Execute your Instructions: We apply for your loan with your preferred lender. We connect with your advisers – accountants, solicitors, property agents – to make sure your loan settles smoothly.
Exchange Contracts: You will receive loan Pre-Approval allowing you to make offers on properties you like. If your offer is accepted, you will then “Exchange Contracts” with the help of your solicitor.
Arrange Formal Approval: A valuation is ordered on your property to confirm the purchase price. We then instruct your lender to issue Formal Approval and prepare your loan documents.
Sign Loan Documents: We check your Loan Documents in detail before arranging a time to review and sign them together. This is your formal acceptance of the bank’s loan offer.
Your Settlement: Your solicitor will help resolve any final requirements for settlement and arrange your funds to complete. Once your property has settled, you can collect the keys!
Success Stories
We’re proud to be the Mortgage Broker Sydney leading business owners, self-employed professionals and entrepreneurs Australia-wide rely on to finance their personal and professional goals.
Frequently Asked Questions About
Mortgage Brokers in Sydney
What makes SF Capital different from other mortgage brokers in Sydney?
SF Capital’s niche focus on self-employed clients and business owners sets us apart from generalist brokers. Our deep expertise in handling complex financial situations ensures we can find the best loan solutions for even the most unconventional circumstances.
How does SF Capital help with complex financials?
We specialise in crafting compelling loan applications that unlock your true income and present your financial situation in the best light possible. We help package your business’s performance, tax records, and other financial information to suit lender requirements.
Does SF Capital charge a fee for its service?
Yes. We charge a small fee based on the complexity of your scenario to ensure we build a successful partnership. Unlike other lenders who provide non-specialist services, our highly experienced team consists of experts who understand the challenges faced by business owners and self-employed people.
Can SF Capital help me secure a loan if I’ve been declined by other lenders?
Our Mortgage Brokers are skilled in handling cases where traditional lenders have found the loan too complex or turned strong self-employed clients away. We take the time to understand your complete financial picture and advocate on your behalf to secure financing from lenders who appreciate your circumstances.
How long does the mortgage approval process take with SF Capital?
While timelines can vary depending on the complexity of your financial situation and the lender’s processes, we work diligently to provide clear communication and minimise delays. Typically, the process can take a few days to several weeks, but our team will guide you through each step.
Does SF Capital assist with investment property loans?
We specialise in helping property investors secure financing for investment properties. Whether building your retirement portfolio, focusing on passive income, or purchasing your first investment property, we tailor loan solutions that align with your financial goals.
What documents will I need to provide as a self-employed applicant?
Self-employed applicants typically need to provide tax returns, financial statements, and other evidence of income. We’ll help you prepare and organise these documents in a way that presents your financial situation favourably to lenders.
Ready to secure your financial future?
Let us help
Stop searching. You’ve found the best Mortgage Broker Sydney has to offer! Now, you can start planning your personal and professional future. Please complete our new client questionnaire to book a personalised consultation with our team.
Start Your Form
