S8E10: How Self Employed Australians Can Actually Get Finance to Buy Property, with Anmol Dhingra

You work harder than almost anyone. You take the risk. You back yourself every single day. And then you walk into a bank to get a loan, they look at you like you're a liability because you're a self-employed. In this episode of The No BS Real Estate Podcast, Jo Agresta sits down with Anmol Dhingra, Director and Mortgage Broker at Win Financial Group, to talk about one of the most frustrating and misunderstood problems in Australian finance — why business owners and self-employed Australians are consistently the hardest hit when it comes to getting finance approved, and what you can actually do about it. Anmol came to Australia in 2013, built a career at Telstra, then launched his own brokerage in 2022. He's now one of Melbourne's fastest growing brokers, an Elite CBA broker two years running, and works with clients across every scenario — PAYG, self-employed, startups, SMSF, commercial and more. In this episode we cover: Why banks assess self-employed borrowers so differently — and why it feels so unfair The documents business owners need to have ready before they even think about applying Why two years of tax returns can work against you — and how to manage that conversation The difference between what your business makes and what a bank thinks you earn How to structure your business finances to actually look good to a lender Why going directly to your bank as a business owner is often the worst move you can make How a good mortgage broker navigates 30+ lenders to find the one that actually fits your situation SMSF lending — what it is, who it's for, and whether it makes sense for your portfolio Commercial property finance for business owners — how it works and what the banks look for What startups and newly self-employed Australians can do when traditional lenders say no The one mindset shift every business owner needs before they apply for finance Australia's self-employed community is one of the hardest working cohorts in the country. The financial system just wasn't built with them in mind. This episode is. 🏠 If you're a business owner and have been turned down too many times, speak with Anmol today. It's free and with no obligations. https://winfinancialgroup.com.au/ 💥 Buying property shouldn't feel like guesswork. With Abodey, it won't be. Download the Abodey AI App for personalised, plain-English property reports that help you buy smarter and with actual confidence. 👉 https://abodey.com.au #abodey #buyersagent #realestate #realestateagent #propertyinvestment #propertyinvestor #propertyinvesting #homebuyer #homebuying #homeownership #SMSF #mortgagebroker #selfemployed #businessowner #winfinancialgroup #homeloan #propertyfinance #selfemployedloan #smsfproperty #commercialproperty #australianfinance