Check My Borrowing Capacity

Rated

by Self Employed Australians

Self-Employed Home Loans. We Find Up to $150,000 More Than Your Bank Quoted.

Banks assess your taxable income - the number your accountant works hard to minimise. Amila spent 15 years inside NAB and CBA running credit assessments, and uses that insider knowledge to rebuild your real borrowing capacity using add-backs the banks routinely ignore.

No 2-Year Financials, No Problem: Approved on 1 year of tax returns, BAS statements, or an accountant's letter - even if the big banks already said no.

One Application, the Right Lender: Amila identifies which specialist lender will approve your exact income structure before anything is submitted, so your credit score stays protected throughout.

The Number Your Bank Quoted Is Wrong: We use add-backs: depreciation, distributions, one-off expenses, to show lenders your real income, not the minimised figure on your tax return.

Check Your Self Employed Home Loan Borrowing Capacity

Check Your Self Employed Home Loan Borrowing Capacity

Trusted by Self Employed Business Owners

Proven Results That Speak for Themselves

3,000+

Applications Assessed Weekly at NAB & CBA

40+

Specialist Lenders Compared

Star Rated From Self Employed Business Owners

15+

Years Combined Experience

3,000+

Applications Assessed Weekly at NAB & CBA

Star Rated From Self Employed Business Owners

40+

Specialist Lenders Compared

15+

Years Combined Experience

Check My Borrowing Capacity

Our Partners

Accredited to Compare 40+ Leading Lenders

Our Solution

Your Complete Self Employed Home Loan Solution

Check My Borrowing Capacity

The Bank Insider, On Your Side

Amila spent 15 years inside NAB and CBA assessing over 3,000 applications a week. He knows exactly what triggers a decline and how to structure your file to get a yes from the right lender.

The Bank Insider, On Your Side

Amila spent 15 years inside NAB and CBA assessing over 3,000 applications a week. He knows exactly what triggers a decline and how to structure your file to get a yes from the right lender.

The Bank Insider, On Your Side

Amila spent 15 years inside NAB and CBA assessing over 3,000 applications a week. He knows exactly what triggers a decline and how to structure your file to get a yes from the right lender.

Maximise Your Borrowing Power

Bank limiting your borrowing? We understand complex company and trust structures. We use smart business "add-backs" like depreciation, company profits, and one-off expenses, to significantly boost your borrowing capacity by up to $150k

Maximise Your Borrowing Power

Approved Without 2 Years of Financials

The two-year rule is a bank policy, not a law. We access specialist lenders who approve on 12 months of financials or alt-doc pathways, so your tax strategy never costs you your approval.

Approved Without 2 Years of Financials

The two-year rule is a bank policy, not a law. We access specialist lenders who approve on 12 months of financials or alt-doc pathways, so your tax strategy never costs you your approval.

Approved Without 2 Years of Financials

The two-year rule is a bank policy, not a law. We access specialist lenders who approve on 12 months of financials or alt-doc pathways, so your tax strategy never costs you your approval.

Credit Score Protected Throughout

Every rejected application leaves a mark on your credit file. We identify the exact lender most likely to approve your structure before submitting anything. No guesswork, no unnecessary hits.

Credit Score Protected Throughout

Every rejected application leaves a mark on your credit file. We identify the exact lender most likely to approve your structure before submitting anything. No guesswork, no unnecessary hits.

Credit Score Protected Throughout

Every rejected application leaves a mark on your credit file. We identify the exact lender most likely to approve your structure before submitting anything. No guesswork, no unnecessary hits.

Fast 24-48 Hour Approvals

We package your application correctly from day one, cutting the back-and-forth that slows most self-employed files down. Move on a property without losing it to a buyer with a simpler payslip.

Fast 24-48 Hour Approvals

We package your application correctly from day one, cutting the back-and-forth that slows most self-employed files down. Move on a property without losing it to a buyer with a simpler payslip.

Fast 24-48 Hour Approvals

We package your application correctly from day one, cutting the back-and-forth that slows most self-employed files down. Move on a property without losing it to a buyer with a simpler payslip.

We Handle the Banks and Your Accountant

Once you're onboard, we liaise directly with your accountant and manage the lender through to settlement. You stay informed at every milestone without touching a single piece of paperwork.

We Handle the Banks and Your Accountant

Once you're onboard, we liaise directly with your accountant and manage the lender through to settlement. You stay informed at every milestone without touching a single piece of paperwork.

We Handle the Banks and Your Accountant

Once you're onboard, we liaise directly with your accountant and manage the lender through to settlement. You stay informed at every milestone without touching a single piece of paperwork.

The Process

Securing Your Self Employed Home Loan is This Simple.

Step 1

Secure Your Session

Answer a few simple questions in our 60-second form to give us a snapshot of your current situation. It’s 100% free and won't impact your credit score.

Step 1

Secure Your Session

Answer a few simple questions in our 60-second form to give us a snapshot of your current situation. It’s 100% free and won't impact your credit score.

Step 2

We Do The Heavy Lifting

We analyse your true business cash flow, liaise directly with your accountant, and match you with the exact specialist lender policies that maximise your borrowing power.

Step 2

We Do The Heavy Lifting

We analyse your true business cash flow, liaise directly with your accountant, and match you with the exact specialist lender policies that maximise your borrowing power.

Step 2

We Do The Heavy Lifting

We analyse your true business cash flow, liaise directly with your accountant, and match you with the exact specialist lender policies that maximise your borrowing power.

Step 3

Fast-tracked Pre-Approval

Walk away with a clear lending strategy and a rock-solid pre-approval. Secure your next property, or refinance your current one, with absolute financial confidence.

Step 3

Fast-tracked Pre-Approval

Walk away with a clear lending strategy and a rock-solid pre-approval. Secure your next property, or refinance your current one, with absolute financial confidence.

5 Star Rated

From 50+ Reviews

Reviews

What Our Self Employed Clients Say

Real results from self-employed Australians who needed a specialist self employed home loan broker on their side.

Check My Borrowing Capacity

I had the pleasure of working with Amila from Pinnacle Finance Solutions, and I cannot recommend his services highly enough. From our very first meeting, Amila demonstrated exceptional professionalism, deep knowledge of the lending market, and a genuine commitment to securing the best possible outcome for me. He took the time to understand my financial goals and patiently explained every step of the process in clear, practical terms. Amila went above and beyond to source competitive options tailored to my circumstances and guided me through the complexities of the application with ease. What stood out most was his responsiveness and attention to detail—he was always available to answer my questions and ensured that I felt confident and supported throughout the entire journey. Thanks to Amila’s expertise, the process was smooth, efficient, and far less stressful than I had anticipated.

Yomith J Jayasingha

Verified Google Review

I would like to Thank Pinnacle Finance, specially Amila who has been helping me every step of the way to get my first home dream come true at last. I have tried couple of times before but was not successful until Amila was recommended by a friend. After the initial discussion, he exactly identified my situation and circumstances and tailored the process accordingly. He's very knowledgeable and confident of the whole process and most importantly he was always available to answer my questions and made the entire process stress-free. I couldn’t be happier with the outcome and would highly recommend him to anyone looking for a reliable and trustworthy mortgage broker!" Thanks Again

Lakshan Mudiyanselage

Verified Google Review

When I first started the process of buying a house, I didn’t know Amila. From our very first phone conversation, he impressed me with his professionalism, positivity, and supportive approach. Throughout the entire journey, Amila was always helpful, approachable, and easy to talk to. He not only guided us with our mortgage needs but also connected us with other trusted professionals to ensure we had the right support along the way. Amila was always available whenever we had questions, which made the process much smoother and less stressful. We are truly grateful for his guidance and dedication. Wishing you all the best, Amila. Thank you for making such a big difference in our home-buying journey.

Nash Pasqual

Verified Google Review

I had a fantastic experience securing my home loan through Pinnacle Finance Solutions. The process was smooth from start to finish, approval was quick, and the team kept me informed every step of the way. They offered competitive rates and were incredibly professional and transparent. I highly recommend them to anyone looking for a reliable lender

Dilani Ranaweera

Verified Google Review

I was especially impressed by how quickly the loan was approved and how competitive the interest rate was. They made what could have been a complicated process feel simple and manageable. I highly recommend Pinnacle Finance Solutions to anyone looking for a reliable and supportive home loan provider!

Usith Rodrigo

Verified Google Review

I am incredibly grateful for Amila’s service throughout my home loan journey. His dedication to get the loan approval from the bank and get the best possible outcome and provide his knowledge about the process was a great evidence to me to write this review for him. I would enthusiastically recommend Amila to anyone who is seeking for a financial support to succeed their dream home.

Janith Fernando

Verified Google Review

I had the pleasure of working with Amila on securing a home loan, and his support throughout the process was truly invaluable. He took the time to understand our specific needs and guided us through a range of mortgage options that best suited our circumstances.

Sidath Ariyaratne

Verified Google Review

Your Self Employed Specialist

Meet Amila Kapurubandara

After spending over 15 years leading home loan operations at top banks like National Australia Bank and Commonwealth Bank, I saw exactly what goes on behind the scenes... and how unfairly the major banks treat self-employed business owners. Having overseen over 3,000 applications per week, I know exactly how credit assessors view complex income and what they need to say 'Yes'. I transitioned to mortgage broking to sit on your side of the table. My goal is to do the heavy lifting: liaising with your accountant, comparing specialist lenders, and negotiating on your behalf to get your self employed home loan approved without the usual red tape.

15+ Years Inside the Big 4: Former leadership in home loan operations at NAB and Commonwealth Bank.

Insider Approval Knowledge: I’ve handled over 3,000 applications per week - I know exactly how bank assessors think and how to get them to say yes.

Unrestricted Access: I cut through the red tape, comparing 40+ lenders to secure the exact loan for your business structure.

Check My Borrowing Capacity

FAQs

Frequently Asked Questions

Everything you need to know about securing a self-employed home loan.

Do I need 2 years of tax returns to get approved?

No. While the major banks almost always demand two full years of financials, we have access to specialist lenders who understand business owners. We can secure approvals using just 1 year of tax returns, or even use alternative income verification like recent BAS statements and an accountant's declaration (often called Low Doc loans).

My accountant minimised my tax, so my income looks low. Can I still borrow?

Yes. It is completely normal for business owners to minimise their taxable income. We know how to correctly present your application using ‘add-backs,’ such as depreciation, one-off business asset purchases, or voluntary super contributions so lenders assess your true cash flow and borrowing capacity, not just your bottom line.

My own bank already declined me. Is it worth applying with you?

Absolutely. Major banks rely on rigid, automated computer algorithms that frequently reject self-employed applicants who don't fit in a perfect ‘PAYG box.’ With over 15 years of experience running home loan operations inside major banks like NAB and CommBank, Amila knows exactly how their systems work, and which specialist lenders will look at your business with common sense instead.

I'm too busy running my business to deal with paperwork. How much time will this take?

Very little. We know time is money for a business owner. We do the heavy lifting for you. Once we understand your structure, we can even liaise directly with your accountant to gather the necessary financial documents, saving you hours of frustrating admin work so you can stay focused on your business.

How much does it cost to use your mortgage broking service?

Our service is completely free to you. We are paid a commission by the lender you ultimately choose to go with. If your specific business structure requires a highly complex or commercial specialist loan that incurs a broker fee, this will be fully disclosed and agreed upon upfront before we ever proceed.

How is a self employed home loan different from a standard mortgage?

A self employed home loan requires a different approach to income verification. Standard loans rely on PAYG payslips, but a self employed home loan uses tax returns, BAS statements, accountant letters, or alt-doc pathways to assess your real borrowing capacity. We specialise exclusively in self employed home loan applications and know which of our 40+ lenders will assess your income most favourably. Our service is completely free — we're paid by the lender at settlement.

Services are provided by Pinnacle Finance Solutions Pty Ltd

43 Rossiter Retreat, Cranbourne North VIC 3977

Pinnacle Finance Solutions Pty Ltd (ABN 82 664 015 454 / Australian Credit Representative 545577) is a credit representative of BLSSA Pty Ltd (ACN 117 651 760/Australian Credit Licence 391237)