Triple O Finance

Tailored Home Loan Solutions for Sole Traders, Contractors, and Small Business Owners Across Australia

Competitive Rates | Fast Approval | No Hidden Fees

Tailored Solutions for Australian Business Owners, Contractors & Freelancers

Running your own business shouldn’t stop you from owning your dream home. At Triple O Finance, we specialise in helping self-employed Australians access competitive home loan options – even if your income structure is non-traditional.

Why Self-Employed Borrowers Choose Triple O Finance

Low doc loan options – use BAS statements, accountant letters, or bank statements

Expert guidance navigating ATO obligations, GST, and business expenses

Loans approved as fast as 24–48 hours

No-nonsense support from brokers who speak your language

What Documents Do You Need?

Whether you’re a sole trader, ABN contractor, company director, or running a family trust, we’ll help you present your income in the best light. Depending on the loan type, you may need:

  • 6–12 months of business bank statements
  • Most recent BAS statements or tax returns
  • Accountant’s letter confirming income
  • Business financials or profit & loss statements

Tip: Even if your latest tax return isn’t available, you may still be eligible for a competitive low-doc loan.

Loan Types Available for Self-Employed

  • Home loans with offset or redraw
  • Investment property loans
  • Construction loans
  • Low doc loans for refinancing or purchasing
  • Loans under company or trust structures

We help you access flexible lending options such as:

  • Up to 80% LVR (sometimes more with specialist lenders)
  • Interest-only or principal & interest
  • Fixed, variable, or split rates
  • Offset accounts (available with select lenders)
  • Access to equity in existing property
  • Loans for both residential and commercial property purchases

How We Make It Easy

  • Initial review – We assess your income structure and borrowing power
  • Document strategy – We guide you on exactly what to provide
  • Lender match – We find the lender that suits your business and goals
  • Loan application & approval – Fast, clear communication throughout
  • Settlement & beyond – Ongoing support as your business and loan needs evolve

Don’t Let Your Tax Return Hold You Back

We’ve helped hundreds of self-employed Australians buy their home, even with:

  • Recently launched ABNs
  • Irregular cash flow
  • Multiple income streams
  • Income declared differently for tax minimisation

Ready to Dive Deeper? Check Out Our Self-Employed Loan Resources

Let’s Simplify Your Finance Journey

Get expert guidance, faster approvals, and flexible loan structures – tailored for self-employed professionals.

What our customer have to say

Andrew B

We can not thank the Triple 0 finance team enough for their help in securing our dream home. Special shout out to Nish and Ash for their dedication, open communication and support throughout the loan application process. From day one, we knew we were in safe hands. Every time we raised a concern, they had a solution. Nish and Ash made the whole process run smoothly and secured us a fantastic rate considering the current climate. Thanks guys!

Sammy Crypto

We found Ash and Triple O Finance Team through an online platform.
Ash set up an interview with me and obtained all our financial requirements and objectives.
The Initial application was for refinance of our family home for a better interest rate and some debt consolidation. Ash and his Team reviewed our application and provided us with a very competitive interest rate along with the cash back offer.

Anup Das

We recently worked with Triple O Finance for our mortgage needs and what a pleasure it was. Nishant is highly knowledgeable and guided us flawlessly throughout the process. During our initial call he was meticulously prepared and clearly understood our requirements. He walked us through all the options with a clear thought process and helped us choose the best option for our needs.

Mustafa AMIRI

I recently had the pleasure of working with Nishant and Jill from Triple O Finance to purchase my house, and I couldn’t be happier with the experience. Nishant went above and beyond to ensure a smooth and successful transaction.

Tejaswini teju

By our personal experience, we highly recommend Triple 0 Finance for all your loan and financial needs. Nishant and their team are exceptionally knowledgeable and adept in their fields, offering a wide range of the latest financial products. From the moment we reached out to Nishant Ramavat at Triple O Finance, his proactive and genuine guidance has continuously impressed me. Without Nishant’s assistance, obtaining a home loan and taking a step closer to realizing our dreams would have been much more challenging. Thank you so much Nishant – Manoj & Tejaswini from N.T

Prasvin Pandey

I have had the pleasure of working with Triple O finance since a few years. Ash and Jill have always provided a top-notch service. I have recommended them to a few of my family and friends, and they have been very happy with the service as well.

Phillip Hausfeld

Happy with the service although settlement short falls need to be better anticipated/managed and better awareness of Bank Holidays when requesting attendance to bank branches to make payments. This unplanned activity was quite disruptive to my day as I was with clients, fortunately my manager was able to cover for me to some extent.

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