At InDepth Mortgage and Loans we help Australians access personal loans that actually suit their situation — whether you’re employed, self-employed, a sole trader, or running a small business.

We look beyond the standard tick-box approach. If you have an ABN, irregular income, or complex financials, we know how to present your application so lenders can see the full picture. We also have several lenders we can access, meaning you are more likely to get the best outcome for your situation. Want a better rate? We might have a solution? Damaged credit? We might be able to help there, too. Need a higher loan limit? Maybe you’re looking to finance an atypical asset? With the many different lenders we work with, you have many different options.

What can a personal loan be used for?

 

• • Debt consolidation (credit cards, personal loans, store cards)

• • Vehicle purchase or refinance

• • Home improvements and renovations

• • Medical or dental expenses

• • Education or training costs

• • Major purchases or unexpected expenses

• • Bridging short-term cash-flow needs

Personal loans for self-employed borrowers

Self-employed clients are a core part of what we do. We regularly help sole traders, company directors, contractors and SME owners who don’t fit the traditional payslip model.

We work with lenders that accept:

 

• • ABN and GST registration

• • Tax returns and Notices of Assessment

• • BAS statements

• • Business and personal bank statements

• • Accountant letters where appropriate

This means you often don’t need two full years of perfect paperwork to be considered.

Why use InDepth Mortgage for a personal loan?

 

• • Access to a wide range of lenders (major banks and specialists)

• • One application process — we handle the rest

• • Clear advice on the real cost (interest rate, fees, comparison rate and loan term)

• • Focus on getting you the right structure, not just the cheapest advertised rate

• • Seamless connection if you also need a home loan or business finance later

Next step

Ready to see what options are available for your situation?

Book a free, no-obligation discovery call and we’ll walk through your goals, income structure and the most suitable personal loan pathways. 

Either call us on 07 5208 9696 or book your discovery session now via the button below.