PROPERTY INVESTMENT MADE EASIER FOR SELF EMPLOYED AUSSIES

How Self-Employed Aussies Can Unlock Investment Properties Without A Huge Deposit In 2026

Access Australia's Leading Investment Property loans
How to buy your first investment property
How to buy a house with just 30k

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The Uncomfortable Truth About Property Investment For Self -Employed Aussies In 2026

Dear Self-Employed Aspiring Property Investor,

You’re here because you see a future where your hard work, your business, your hustle, creates something bigger.

A future where your money works for you through smart investments, building a passive income stream that supports your lifestyle, secures your retirement, and gives you real freedom beyond your business.

But… if you’ve tried to get a loan recently, you’ve probably realised:

Being self-employed often feels like a penalty... not a strength.

You might earn more than your PAYG mates. You might have a six-figure deposit.

Yet the banks see your ABN and panic.

You’re asked for years of tax returns, BAS statements, accountant letters, and then they discount your income anyway.

Meanwhile, someone on two casual payslips gets approved in ten minutes.

It’s not just frustrating, it’s unfair.

But here’s the good news…

My name's Dean Groves, Founder of DMG Solutions, where we specialise in helping self-employed investors navigate the headaches that are the banks.

We work exclusively with self-employed clients who’ve been told “no” by traditional lenders and help them turn real business income into bank-acceptable finance.

If you’ve been running a solid business and you’re ready to invest, but don’t know where to start, or who will actually approve you...

We're here to help.

Clients choose to work with us for 4 main reasons:

We know the rules that trip up business owners, and how to work around them. From add-backs to BAS packaging, we show banks the real story of your income.

We know which lenders are self-employed friendly (and which to avoid). We work with dozens of lenders, and only put you in front of the ones who get it.

We stress-test your numbers, so you don’t end up in a loan that sinks your cash flow during a slow quarter or tax season.

We work with your accountant, not against them, so you don’t sabotage your future finances with aggressive tax minimisation or the wrong structure.

If any of this sounds too good to be true, I encourage you to read on...

This page will show you how we help business owners like you get approved, without needing payslips from a 9–5 job.

And how you can book a free, no-pressure 15-minute call to discover what’s really possible for you in 2026.

To you and your success,

Why Right Now Might Be the Smartest Time for Self-Employed Aussies to Buy Their First Investment Property

If you’re self-employed, it probably feels like the world is telling you “This isn’t the time to invest.”

🔵 Interest rates are too high

🔵 Lenders are too strict on business income

🔵 Property prices are out of reach

And when you do try to get a loan, it’s hoops, delays, and rejection.

But in reality, things are shifting fast.

Right now, more flexible lenders are returning to the market.

Rates are softening.

And demand for rentals is creating a strong window for smart, well-prepared investors to step in.

This moment won’t last forever, but it’s wide open right now for business owners who want to make their first move.

What Our Clients Are Saying About Us Online

Luke B

“As a self-employed tradie, I honestly thought I’d never get approved. Dean walked me through the whole process, found a lender that actually understood my income, and helped me buy my first investment property within 6 weeks.”

Rachel M

“We were first-time buyers and self-employed... a double whammy we thought would hold us back. Dean made the finance side simple and showed us how to get started without needing a huge deposit. Highly recommend.”

James P

“I run a small business and had been told by multiple banks that I’d need 2+ years of returns and a massive deposit. Dean proved them wrong. He structured everything perfectly and made the approval painless.”

Erick T

“This was our first investment, and we had no idea where to start. Dean explained everything clearly, showed us different loan options, and found a solution that worked with our low deposit. We’re now officially landlords!”

Michael & Sara

“We’ve invested before but had never worked with a broker who actually understands self-employed lending. Dean got us a far better rate than our previous loan and gave us a plan for refinancing down the track"

Jason C

“Our biggest fear was that our tax returns wouldn’t show enough income because we write a lot off in the business. Dean knew exactly how to present our figures and helped us get approved without jumping through endless hoops.”

Book Your Free 15-Minute Self-Employed Investor Strategy Call And Discover Exactly What It’ll Take To Secure Your First Investment Property

These calls are designed specifically for business owners who’ve been told “you’re too risky,” “you need 30%,” or “come back in two years.”

In just 15 minutes, we’ll show you how to overcome that, and take your first step into property investing in 2026.

What You’ll Walk Away With:

🔹 A Borrowing Game Plan

See how your income can be restructured for banks, even if you run a trust, company, or are just getting started.

🔹 Your Maximum Borrowing Power... Without Guesswork

We’ll calculate what you can actually borrow based on your business income, add-backs, and structure.

🔹 A Smarter Deposit Strategy

Understand how some self-employed Aussies are getting into property with as little as $30k, and how to avoid the 30% deposit trap.

So, If you’re self-employed and want to invest but feel stuck,

this is the call that changes everything.

Top 5 Reasons Why First Time Property Investors Partner With Us

We Specialise In Self Employed Lending

I don’t just “accept” self-employed clients — I specialise in them. Whether you’re a sole trader, trust, company director or partnership, I know how to structure your income to improve your chances.

We Help You Avoid The Deposit Trap

Banks often expect 20–30% deposits from self-employed buyers. I help you identify lender options that work with 5–10% (where available), and explain how to position your finances to avoid overcommitting.

We Know Which Lenders Actually Say Yes

Each lender has their own rules for self-employed clients. I know which ones accept 1-year ABNs, use 80–100% of income, or allow add-backs. No more guesswork or rejections.

We Help You Prepare the Right Documents Upfront

Forget last-minute panic. I’ll show you exactly what to provide: BAS, tax returns, financials, add-backs, and help package it for approval. No more delays over paperwork.

We Stress Test Everything, Just Like a Business Plan

We don’t just get you approved. I help run the numbers on repayments, rental income, and worst-case business months, so you know your loan works even when cash flow slows.

Every Day You Wait, You’re Bleeding Profits and Losing Deals

You’ve found the perfect site.

The numbers stack up.

But then—the funding stalls.

Banks drown you in red tape, private lenders slap on sky-high interest rates, and your project? Dead in the water.

Each delay sends costs spiralling—holding expenses, rising interest rates, and supplier prices creeping up by the day.

The longer you wait, the thinner your margins get, turning a once-profitable project into a financial headache.

Deadlines loom, budgets blow out, and suddenly you're scrambling to plug gaps just to keep things afloat.

While you’re battling delays, your competitors are closing deals, breaking ground, and cashing in.

The sites you scouted? Gone.
The profits you planned for? In someone else’s pocket.

Months of planning, negotiations, and site analysis? Wasted, all because the funding didn’t come through.

But it doesn’t have to be this way.

Hi, I’m Michael, Director at Balcombe Financial.

We help property developers secure the funding they need to acquire, build, and complete high-return developments—without the usual financial roadblocks.

Whether you’re working on a small subdivision, a large-scale apartment complex, or a commercial development, we tailor solutions that move your projects forward fast and with maximum flexibility.

With access to over 40+ bank, non-bank, and private lending solutions, we unlock flexible terms, maximise your loan amounts, and keep your projects moving from acquisition to completion.

“Michael found me a loan that others said wasn't possible”

- John Zambelis, Victoria

“Michael’s professional services were key in securing the finance on our commercial development in a tight timeframe”

- Casey Landman, Victoria

No more missed deadlines. No more compromises.

Just streamlined, stress-free financing that lets you scale your portfolio, maximise your profits, and build long-term wealth.

Ready to secure the capital you need—fast and stress-free?

Apply for your free 'Get Funded' Consultation with Victoria’s top property development finance experts.

We’ll never leave it up to algorithms or call centre staff to future growth of your projects.

In this complimentary 20-minute session, we’ll help you:

GET A FINANCING STRUCTURE BUILT FOR YOUR PROJECT:
Discover the exact funding solution for your development goals—no more ‘one-size fits all’ loans that don’t fit your needs.

SECURE FAST APPROVALS WITHOUT THE USUAL ROADBLOCKS: We’ll map out how to cut through lender red tape and get your project moving—before delays eat into your profits.

FUND YOUR PROJECT WITH LESS OF YOUR MONEY: We’ll show you how to secure financing with minimal personal capital and more lender flexibility than you thought possible.

WALK AWAY WITH A CLEAR, ACTIONABLE FUNDING STRATEGY: Get a clear, actionable financing strategy tailored to your development—no fluff, no wasted time, just the exact next steps to get funded fast.

Spots are limited, and projects are moving fast.

Don’t let another opportunity slip through your fingers— apply for your free ‘Get Funded’ Strategy Session today and secure the financing you need before it’s too late.

To your success,

Completely free to explore.

No strings attached.

How Smart Developers

Get Funded

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Got Questions?

We’ve Got the Answers

Why is it harder to get a loan when you’re self-employed?

Because most banks don’t know how to read your income properly.

They prefer neat payslips over business financials, which means self-employed Aussies often feel “punished” even when they’re earning more.

What documents do I need to prove my income?

You’ll usually need 1–2 years of:

- Tax returns (personal + business)

- BAS statements

- Financials (P&L, balance sheet)

- ATO portal records

I’ll guide you through what each lender wants, and help calculate “add-backs” so your true income is seen, not just the net profit on your return.

Do I really need a 20–30% deposit?

Not always.

Many self-employed borrowers are told they need huge deposits, but that’s usually because their income was packaged the wrong way.

Will getting approved take forever?

It doesn’t have to.

If you submit the wrong documents or apply to the wrong lender, yes... it can drag on for weeks.

Do I need to go back to a PAYG job just to qualify?

Absolutely not.

That’s outdated advice. While some banks do favour PAYG income, I work with lenders who understand and accept self-employed income, even for newer ABNs or complex structures.

Why do I have to jump through so many hoops?

Because banks see business owners as “complex” borrowers — unless you have someone who knows how to translate your financials into lending language.

Our Service Will Help Decrease Burning Problem By Quantifiable Measure Or Penalty

We’re so confident in our ability to [Achieve Outcome] that we’re taking all the risk off your shoulders.

If we don’t [Specific Result Guarantee], you won’t pay a cent. No fine print, no hidden conditions – just a rock-solid guarantee to prove how committed we are to your success.

Because at [Your Business Name], we don’t just promise results. We guarantee them. If we don’t deliver, you don’t pay. It’s that simple.

100% Free, No-Obligations

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