The story behind our success
Built to help brokers and borrowers access smarter, more flexible lending solutions.
Our Story
Founded by a team of experienced mortgage professionals, So Money was created with one clear mission — to deliver smarter, more flexible lending solutions for borrowers who are often overlooked by traditional banks.
From the beginning, we have focused on supporting mortgage brokers and their clients with tailored non-bank products, especially for self-employed borrowers, expats, non-residents, and complex income scenarios.
Today, So Money is a trusted solutions partner for brokers across Australia, providing competitive products, streamlined processing, and dedicated support.
We believe brokers deserve a partner and we are committed to helping them scale and succeed.
What sets us apart
- Flexible non-bank lending
- Expertise in complex scenarios
- Dedicated broker support
- Fast approvals & turnaround
- Business growth support
Driving results
“We help brokers turn complex scenarios into successful settlements — faster and smarter.”
Backing brokers. Empowering borrowers.
We say ‘yes’ where others say ‘no’. From self-employed clients to complex lending needs, So Money helps brokers unlock more opportunities and deliver better outcomes.
We have everything
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Speed Optimization
Streamlining the loan process to make it smooth and easy for self-employed borrowers.
Dynamic Solutions
Offering residential, commercial, NDIS, SMSF, and a variety of other property finance solutions tailored for the self-employed.
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.
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.
Our team of experts do their best
So Money is dedicated to making the loan process faster and easier for our applicants.
01
Submission
A dedicated Loan Consultant will call to discuss your needs and find the solution for you.
02
Documents
We verify your information using supporting documents and perform a property valuation.
03
Assessment
Our credit team evaluates your information to assess your application.
04
Settlement
Our solicitors send your loan contract via e-sign, ensuring a smooth and effortless settlement process.
