Noosa was basically built by people who work for themselves.
Kate Sadler and The Broker Society help self employed buyers, owners and investors across Noosa get assessed properly, from our office right here on the river.
Beyond the home loan
Self employed Noosa clients rarely stop at one question. Once your home loan is sorted, it's common to look at investment loans to build a portfolio, SMSF lending once you're ready to purchase through your super, or commercial lending if your business has outgrown a rented space. If you already own and haven't reviewed your loan in a while, refinancing is worth a look, especially once your business income has strengthened since your last application. Buying before you've sold? We arrange bridging finance for exactly that situation. And if a deposit is the sticking point, our first home buyers page and our 5% and 2% deposit scheme page cover what's genuinely available, including for self employed applicants.
Your Noosa broker
Kate Sadler founded The Broker Society in 2021 after nearly two decades in banking and broking, and self employed and complex lending has always been the work she gravitates towards, the deals a bank might shy away from. Based right here in Noosaville, Kate has built her reputation on genuinely understanding business income rather than forcing it into a standard checklist.
Kate works alongside the rest of The Broker Society's team of five brokers and dedicated support staff, covering the Sunshine Coast, Gold Coast, Brisbane's Southside and Central Queensland. Whatever a Noosa client needs, whether it's a specialist self employed structure, an SMSF purchase, or simply a second opinion, there is always someone across the business with the right experience to bring in.
Run your own business? Let's get your lending sorted properly.
Whether you're buying your first place, refinancing, or growing a portfolio, Kate and the wider Broker Society team understand how self employed income actually works.
Explore more of what we do, or find your area.
A region that runs on the self employed
From the tourism operators along Hastings Street to the wellness instructors, consultants and creatives who moved here for the lifestyle and never left, Noosa has one of the highest concentrations of self employed residents anywhere in Queensland. It is also a region where banks routinely misread that income, treating a strong, established business as a red flag simply because it does not arrive as a fortnightly payslip. That is the exact problem we spend most of our time solving. Kate is based right here in Noosaville, and self employed and complex lending is the work she has built almost two decades of experience around.
Lenders on our panel
Combined years working with self employed clients
Brokers, every one of them self employed
Self employed home loan questions, answered straight
No. Kate and the wider Broker Society team work with self employed clients across Noosa, the Sunshine Coast and Australia wide, by phone, video or in person.
Generally at least one to two years, though this varies by lender and structure. We assess your specific situation before assuming a standard rule applies.
Full doc uses two years of tax returns and financials. Low doc suits strong trading history where tax returns understate income. Alt doc uses BAS statements as evidence of turnover. We assess which fits your paperwork.
It can affect which lender suits you, but seasonal income is extremely common across Noosa's tourism sector, and we work with lenders experienced in assessing it fairly.
It changes how your income is assessed rather than making it harder outright. Directors and trustees are assessed on the appropriate basis for their structure, and we handle this regularly.
Yes, in the right circumstances. Low doc lending isn't limited to investors or existing owners, though eligibility depends on your specific business and income situation.
Some do, since they only look at declared taxable income. We work with lenders who take a broader, more sensible view of business income and cash flow.
Yes, being self employed doesn't rule you out. It does take a bit more preparation on the income side, which we can help you get right before you apply.
Often, yes, and it's a common reason self employed clients come back to us. Stronger, more established income can open up better options than when you first applied.
Yes. We structure investment lending for self employed clients with long-term borrowing capacity in mind, not just the next approval.
Yes, subject to eligibility. This is a common path for established Noosa business owners, and we work alongside your accountant and financial adviser on the specialist requirements.
Yes. Self employed applicants can access bridging finance, though lenders still need to properly assess your income as part of the application.
A panel of 50 or more, which matters given how differently lenders assess self employed and business income.
Get in touch directly to discuss your situation and we'll explain how the process works from there.
Recent tax returns or financials and an overview of your business, but honestly, come as you are for the first chat and we'll tell you exactly what's needed after that.
Book a time through the appointments page and Kate will take it from there.