Matilda Tree FinanceBook

Services

Home loan services for single parents, first home buyers, self employed Australians and property investors

We work with a wide panel of bank and non-bank lenders and match you to the one who genuinely wants your application, not just the one whose branch is closest to you.

Single Parent Home Loans

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.

Single parents in Australia can absolutely get a home loan, and there are specific government programs designed to help. The challenge is rarely whether you qualify in principle. It's that lenders all assess income differently, especially when your situation involves Centrelink, child support, self-employed income, or all three at once. One bank might say no flat out. Another might approve the same application with the right structure. The job of a good broker is to know which is which, so you don't waste time getting rejected by lenders who were never going to say yes to your situation in the first place.

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Self Employed Home Loans

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.

The challenge isn't whether you qualify. It's how your income gets presented to the right lender. Self employed income doesn't fit neatly into models built for PAYG applicants. Some lenders genuinely understand it and will work off one year of financials. Others want two full years and discount any year where income dipped. A smaller group offers low-doc and alt-doc lending for situations where standard documentation isn't yet available.

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First Home Buyer Loans

First home buyers in Australia have access to the First Home Guarantee, state grants and stamp duty concessions. The rules change constantly. We translate them into plain English.

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.

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Investment Property Loans

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.

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. Including offset accounts, interest-only periods and cross-collateralisation decisions.

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Asset Finance

Vehicle, equipment and business asset finance through our aggregator's broker-matching tool.

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Not sure which applies to you?

Most situations involve more than one category. A discovery call takes 30 minutes and maps out exactly where you stand.

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