So Money Self-employed Solutions
Empowering
Self-Employed
We champion those who forge their own path. Our robust refinancing solutions are designed specifically for self-employed clients, providing the support and flexibility they need to thrive.
Heros
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So Money Self-employed Solutions
Simple Refinance
Solution For
At So Money, we believe in the power of self-believers. Our simple refinance solution is designed specifically for self-employed individuals, offering an easy and efficient way to manage your mortgage. Enjoy the benefits of lower rates, reduced monthly payments, and a streamlined process with minimal documentation.
Self-belivers
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So Money Self-employed Solutions
Focus
on Your
We prioritize self-employed individuals and small business owners, recognizing their vital role in Australia's economy. Our tailored financial solutions let them focus on growing their businesses, while we manage their mortgage needs. At So Money, your success is our commitment.
Business
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Speed Optimization
Streamlining the loan process to make it smooth and easy for self-employed borrowers.
No Risk Fees. No LMI.
You deserve rewards for being self-employed, not penalties. That's why we've eliminated 'risk' fees—because you're not a risk.
Dynamic Solutions
Offering residential, commercial, NDIS, SMSF, and a variety of other property finance solutions tailored for the self-employed.
Flexible income verification
Not everyone works a 9 to 5 or has regular payslips. That's why we've created alt doc loans, helping recently self-employed individuals achieve their property dreams.
Flexible and dynamic lending solutions for self-employed borrowers
learn more about our missions
Starting your new business venture shouldn’t delay your home-buying plans. With just six months of ABN activity, you can apply for a home loan. Discover our flexible home loan options for self-employed individuals and small business owners today.
We provide a varietyof
Home loan options tailored
Toyour unique situation.
We understand that everyone’s situation is unique.
That’s why we stay flexible. As a non-bank lender, we consider more than just your credit score, enabling us to help where others can’t.
Explore the options below to find the right fit for you:
Flexible and dynamic lending solutions for self-employed borrowers
WeLoveWhat
We Do
Traditional banks often demand extensive financial records from self-employed individuals, including two years of financials, business bank statements, and Tax returns. In contrast, So Money offer loan products that accept alternative income documentation, becoming a vital funding source for the self-employed.
- Less restrictive criteria
- No Risk Fee
- Self-employed friendly
WeSupport
Self-employed
Borrowers
We offer comprehensive support for self-employed borrowers with full doc, lite doc, and commercial loans. Our tailored solutions include specialized niches and unique product features designed to meet your specific needs.
Full Doc Loan
Up to 95%
So Money Full Doc
- Specialised Securities acceptable
- 85% No LMI for owner
- 1-year financial
- Up to 40 years loan terms
- Maximum loan size up to 5 m
Lite Doc Loan
No Risk Fee
So Money Lite Doc
- 6 months ABN
- One form of income verification
- Optional 100% Offset Facility
- Financial Statement Only
- Lite Doc Construction
Commercial Loan
30 years loan term
Commercial
- Maximum loan size up to 5 m
- Maximum LVR up to 80%
- Up to 30 years loan terms
- Extra Repayments
- Lite Doc
Self-employed Home loan
solutions
We help freelancers and entrepreneurs with streamline home loan process.
Home Loan
NDIS Investment
SMSF Investment
Lite Doc loans











