Getting the right home loan as a sole trader can feel like a hurdle—especially when your income doesn’t fit the usual boxes. At AxJ Finance Brokers, we specialise in helping sole traders secure smart, flexible home loans that work with your business setup and financial goals—not against them.
We know the mortgage market inside out and understand the challenges that come with self-employment. Whether your income varies, your tax returns are complex, or you're juggling everything solo, we help simplify the process. From reduced doc options to potential LMI savings, we’ll find a solution that suits you—whether you’re buying your first home, refinancing, or investing. Let AxJ handle the finance side so you can focus on what you do best: running your business.
We’re excited to assist you in securing the perfect loan. New clients can conveniently apply online anytime, while existing clients are encouraged to call us for personalized support and expedited processing.
At AxJ Finance Brokers, we offer a premium mortgage brokerage service that takes the stress out of securing finance. We handle everything from start to finish, ensuring a seamless experience with expert guidance at every step. With access to over 40 lenders, our award-winning brokers secure competitive rates and structured loans, so you can focus on what matters while we take care of the rest.
Founder & Mortgage Broker
Jason is the principal finance broker at AxJ Finance Brokers. Prior to joining the mortgage industry in 2013, he worked with several real estate agencies and developers in sales and real estate market research.
Outside of the financial world Jason loves spending time with his family and walking the beautiful green areas Melbourne has to offer.
Operations Director
Audrey looks after our people and the culture of our company. She keeps everyone sane and ensures that our organisation is operating effectively.
Loan Processor & Administrator
Kate has been an integral contributor of Jason & Audrey’s team since 2017. She oversees all loan submissions, ensuring all bases are covered for our lenders to make a timely and informed decision on our submissions.
From fluctuating income to tax considerations, being a sole trader means your financial situation is unique. We work with over 40 lenders to find flexible lending options tailored to your business setup—helping you secure the right loan whether you’re buying your first home, refinancing, or investing in property.
Grow your property portfolio with strategic investment loans.
Grow Your Investment PortfolioAs a sole trader, you manage everything—your clients, your income, and your business. We’re here to make sure your mortgage doesn’t become another challenge. Our expert brokers understand the nuances of sole trader income and help you access competitive loans, even when your financials don’t fit the usual mould.
Helping you get into the property market with a smaller deposit.
See Low-Deposit OptionsFinance solutions for buying or investing in commercial real estate.
Finance Commercial PropertyTap into the equity in your home to achieve your financial goals.
Access Your Home’s EquityUnlock income from your home’s equity during retirement.
Explore Reverse MortgagesTurn your home loan into an investment engine by recycling debt strategically.
Learn About Debt RecyclingOur regularly updated blog is designed to help sole traders navigate the world of finance with confidence. From income verification tips to lender policy changes, we break down complex topics so you can make smarter decisions—without the stress.
Stay informed with the most recent rate changes and news.
Check the Latest RatesAlongside sole traders, we work with professionals across a wide variety of industries—including doctors, teachers, engineers, and business owners. Each profession has different financial dynamics, and our brokers specialise in securing better rates through industry-specific solutions.
Specialist home loan options and LMI waivers tailored for engineers.
Explore Engineer Home LoansFlexible home loan options for business owners and freelancers.
Loans for Self-EmployedTailored strategies and lending solutions for experienced investors.
Let's Talk StrategiesConsistently ranked among Australia’s leading brokers, with multiple industry accolades under our belt.
With decades of hands-on experience and deep market insight, our Melbourne-based founder delivers tailored financial outcomes for every client.
Complimentary Consultation: Expert advice with no strings attached.
Strategic Mortgage Planning: Aligned with your goals and life stage.
Seamless Support: We manage the entire process—from paperwork to settlement.
Whether you’re buying your first home, expanding your portfolio, or seeking tailored solutions, we simplify the journey with competitive rates and expert guidance.
With over 320 five-star reviews, our Melbourne-based team is known for personal service, trusted advice, and local market expertise.
Fully endorsed by MFAA & FBAA, our credentials reflect our dedication to professional excellence and ethical lending practices.
We expertly manage complex compliance requirements to deliver a smooth and stress-free lending experience.
Call Now: 03 8371 0027 for a no-obligation chat with a Melbourne-based expert and explore your best mortgage options.
From first homes to refinancing, our strategies are built around your lifestyle, ambitions, and long-term financial success.
Discover why more Melbourne clients are choosing AxJ Finance Brokers over traditional banks—thanks to our hands-on service, broader lending network, and client-first mindset.
Customers are treated as just another number in the system.
Clients enjoy personalised guidance and tailored financial solutions.
Limited loan options with rigid policies.
Access to 40+ lenders offering flexible mortgage solutions.
Slow approval times with complicated processes.
Faster approvals and clear support through every stage.
Focus on maximising profits for the bank.
Your goals come first—we work for you, not the lender.
Generic mortgage plans that lack flexibility.
Custom mortgage strategies built around your needs.
Call centers with minimal personal engagement.
One-on-one support from a dedicated broker in Melbourne.
Use our easy-to-use calculators to plan your financial future.
Yes, many engineers are eligible for LMI waivers with select lenders. This benefit can significantly reduce your upfront costs when purchasing a home.
Yes, engineers may qualify for professional home loan packages with competitive interest rates, reduced fees, and waived LMI depending on the lender and their qualifications.
Engineers are often seen as low-risk borrowers by lenders, which can help them access more competitive rates and better loan terms. A mortgage broker can help you navigate these options.
Banks such as ANZ, NAB, and St. George may offer LMI waivers for eligible engineers. Criteria varies by lender, so it’s best to work with a broker to identify the right fit for your situation.
Securing the right home loan as an engineer can be a game-changer for your long-term financial plans, but the process isn’t always straightforward. At AxJ Finance Brokers, we specialise in Engineer Home Loans—streamlining the entire journey so you can focus on building your future.
With our in-depth knowledge of the mortgage market and the unique needs of engineers, we provide tailored loan solutions with competitive rates and engineer-specific benefits, such as waived LMI for eligible professionals. Whether you’re buying your first home, upgrading, or refinancing, we structure our services to align with your career and financial goals. Take control of your homeownership journey today—contact AxJ to explore the best loan options for engineers.
Business Information
AxJ Finance Brokers, a trusted mortgage broker in Melbourne, specialises in providing personalised loan solutions to help you navigate the dynamic property market with ease. Led by principal broker Jason, our team is dedicated to delivering tailored, responsive, and proactive mortgage services, ensuring your financial journey is smooth and successful.
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This page provides general information only and has been prepared without taking into account your objectives, financial situation or needs. We recommend that you consider whether it is appropriate for your circumstances and your full financial situation will need to be reviewed prior to acceptance of any offer or product. It does not constitute legal, tax or financial advice and you should always seek professional advice in relation to your individual circumstances.
All finance applications and variations are subject to lenders terms and conditions. Fees and charges and eligibility criteria apply.
Mortgage brokers in Melbourne and surrounding areas, guiding your financial journey seamlessly.
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