Mortgage Broker for Single Parents, Women and Self Employed Australians.
Most banks see you as a risk. We help you get clear, kind advice and a loan that actually fits your life
A Carlton based local business in Sydney, NSW
Rielle Berglund helps Single parents, Women and Self employed clients buy homes in Australia.
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0428 889 893
Home loan services for single parents, first home buyers, self employed Australians and property investors
Single parents
Yes, you can buy a home as a single parent in Australia, even on one income. Programs like the Family Home Guarantee let eligible single parents buy with as little as a 2% deposit, and we help you work out what you actually qualify for.
When you’re raising kids and running a household solo, navigating a mortgage application can feel impossible, but it doesn’t have to be.
We look at your whole financial picture, not just your payslips, and create a clear, realistic plan that actually fits your life.
You deserve support, clarity, and a broker who understands the load you carry.
No overwhelm. No judgement.
Just a team committed to helping you build stability and security for your family.
Self employed
Self employed Australians can absolutely get a home loan. We work with lenders who accept low-doc and alt-doc income evidence, including BAS, business bank statements and accountant declarations, so you do not get rejected for not fitting a payslip-shaped box.
Life as an ABN-holder is rewarding… and a little chaotic, and that’s okay!
Your income might not fit into neat boxes, but we know exactly how to present it.
We specialise in loans for business owners, contractors, freelancers, and sole traders ,working with lenders who truly understand self-employed borrowers.
Less back-and-forth. More “approved.”
First home Buyers
First home buyers in Australia have access to the First Home Guarantee, state grants and stamp duty concessions, but the rules change constantly. We translate them into plain English and tell you which ones apply to you.
Buying your first home can feel like learning a new language while juggling life, work, and everything else, but it doesn’t have to.
We guide you step by step, from deposits and government grants to all those “wait… what does that even mean?” moments.
You get clear answers, a personalised plan, and a broker who keeps you in the loop, so you can buy with confidence.
Whether it is your first investment property or your fifth, loan structure decides how far your portfolio can grow. We help Australian investors structure lending for long-term flexibility, including offset accounts, interest-only periods and cross-collateralisation decisions.
We help you structure your finance for long term growth and lending flexibility without the jargon.
Market shifts? Policy changes? Interest rate tweaks?
We stay across it all so you can focus on building your portfolio with clarity and control.
Investments
Matilda Tree Finance is a member of the Mortgage and Finance Association of Australia (MFAA), authorised under Purple Circle Financial Services, and a member of the Australian Financial Complaints Authority (AFCA). Founded by Rielle Berglund, who has over a decade of banking and small business experience.
Frequently Asked Questions
Q: How much does it cost to work with Matilda Tree Finance? A: A home loan application takes six to twelve weeks of real work, and the complexity varies depending on your situation. We charge a transparent engagement fee that reflects the work involved: $450 for standard applications, $750 to $950 for more complex situations like guarantor loans, low-doc or alt-doc applications. Specialist lending (construction, SMSF, debt consolidation with credit issues) is quoted separately. We confirm your exact fee at the discovery call, in writing, before you commit. Lender commissions are paid separately by the bank and disclosed in writing.
Q: Where in Australia do you work? A: We work with clients across Australia. Almost everything happens by phone, video and secure document upload, so your postcode does not change the service.
Q: How long does a home loan application take? A:Typical timeline is 2 to 6 weeks from first chat to formal approval, depending on your situation and the lender. We give you a realistic timeline at the discovery call.