Business Title

T: 02 9299 1144

Residential Loans
The Right Loan for You

Let 'AAA' Work For You

  • Complex Investment Loans

  • Don't worry about your multiple entities, we understand them!

  • Wholesale Interest Rates

  • Construction/Renovations Loans

  • Debt Consolidation

  • Self Employed Financing

  • Wholesale Refinancing

  • Competitive Rates

  • High LVR, Low Rate

  • SMSF

  • Self Employed - rate savvy and flexible options!

Choose a home loan that works for you!

Contract Negotiations

Standard Variable

Have the flexibility you need to:

  • Make extra repayments to pay off your loan faster

  • Redraw your extra repayments, or use an offset account

  • Interest only or principal and interest

Fixed Loan

The certainty of fixed repayments:

  • Your interest rate will not change during the fixed period

  • Choose from 1-5 years or 10 year fixed rate terms

Outside the Box

  • Complex Investment Loans

  • Wholesale Interest Rates

  • Construction and Renovation Loans

  • Debt Consolidation

  • Self Employed Financing

  • Wholesale Refinancing

  • SMSFs

  • Self Employed and Small Business Owners

Business Owners and the Self Employed

Home, Commercial and Business Loans

‘AAA’ is a big supporter of small businesses in Australia, and we are here to help you reach all of your financial goals. We know that SMEs are a key factor in driving the Australian economy.​

We are able to do home loans for self-employed individuals - we can handle whatever tricky 

situation you’ve got for us.


Let's think ahead and get sorted for the financial year ahead. Let us help you make 2020 your best financial year yet.

If you are self-employed and running your own business, 'AAA' has over 30 years of experience lending to self-employed borrowers. We specialise in flexible home and investment home loan solutions for self-employed and PAYG customers who fall outside mainstream lending criteria.

We take a personal approach to credit assessment - your unique circumstances will be taken into account and your loan application will be carefully considered by a specialist.

That means that if you are having difficulty sourcing finance for a new purchase or debt consolidation, we may be able to help. Even if you have had some financial hiccups in the past. 

What about Lo Doc Loans?

As a self-employed person, you may have heard of “low doc loans”, where lenders look at a different set of financial measures to assess your application.

The fact is, low doc loans are becoming less common due to responsible lending requirements, which call for your lender to be sure you can comfortably handle your loan repayments.

That said, the low doc route can be helpful for particularly a start-up business that is unable to present two years' worth of financials. 

The downsides of low doc loans include the following:

  • Not all lenders offer them. 

  • They often incur a higher interest rate.

  • You may be asked to provide a larger deposit (compared to a traditional home loan).​

Product Features: 

Eligibility: Self-Employed

Loan Amount: $2,500,000

LVR: 85%

Interest Only Option: 1-5 years

Alt Doc Income Requirements: Accountant letter; or 6 months BAS; or 3 months Business bank statements

Contact Us

P: 02 9299 1144 | E: | A: Level 1, 50 York Street, Sydney, NSW, 2000

©2020 by 'AAA' Money Australia. Australian Credit Licence #364 295.  ABN: 79 050 967 809