Smarter Lending Starts With Real-World Experience
Practical Finance Solutions.
No Confusion. No Jargon.
The Expert Mortgage Broker You Can Trust
At Mill Finance, we believe everyone deserves personalised, stress-free financial solutions, especially those who are self-employed. Based on the Central Coast, Mill Finance is led by Jason Miller, a highly experienced mortgage broker with a practical, down-to-earth approach that simplifies even the most complex loans. Whether you’re buying your first home, upgrading your vehicle, investing through your SMSF, or seeking finance for your business, Mill Finance makes it easy to move forward with confidence.
With over 15 years of experience as a mortgage broker and 25+ years as a self-employed business owner, Jason Miller understands the unique challenges that self-employed individuals face. He’s walked the path himself, having owned several businesses, invested in property, and navigated the finance system from all angles. Today, Jason uses that experience to help clients access smarter, more strategic lending — without the jargon or stress.
Tailored Finance Solutions for Every Stage of Life
Mill Finance offers a wide range of lending solutions designed to support self-employed clients and PAYG borrowers alike:
Why Choose Mill Finance?
Jason’s not your average mortgage broker. He’s a straight-talking, highly knowledgeable finance expert who genuinely wants to help. His clients benefit from:
01
Experience
Over 15 years of lending experience and 25+ years as a business owner.
02
Specialisation
Specialisation in self-employed, sole traders, contractors, and SMEs.
03
Strategy
A proven investor mindset that helps clients build wealth strategically.
04
Support
End-to-end support and clear communication every step of the way.
Read from clients who have found the perfect place where they can create...
Discover testimonials from satisfied clients who have found their dream properties with Mill Finance, the trusted experts in helping you find the perfect place to call home.
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but my goals too. He walked me through the whole process, explained what I needed to provide, and matched me with a lender that actually worked for self-employed people like me. A few weeks later, I had full approval and was holding the keys to my first home. I still can’t quite believe it. If you’re self-employed and feel like the system’s stacked against you, Mill Finance is the team you want on your side.
James Oliver
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find the vehicle for me too. Within days, he’d located the perfect ute, negotiated a fair price, and had it delivered to my door. I barely lifted a finger. The loan terms were great, and the whole process was so easy. It’s rare to find someone who goes above and beyond like that these days. I’ll be going back to Mill Finance for anything I need in the future.
Michael S
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that weren’t just about interest rates they were about maximising future opportunities. He helped me set things up in a way that made accessing equity and growing my portfolio much easier. It was like speaking to someone who actually spoke my language. If you’re serious about building wealth through property, Mill Finance is a smart move.”
Daniel T
Let’s Talk Finance — Without the Jargon
Whether you’re self-employed, PAYG, or somewhere in between, Mill Finance is here to help. From property loans to personal finance and everything in between, Jason will guide you with clarity and care.
Reach out to Mill Finance now for a no-obligation chat. We’ll listen to your goals and explain your options in plain language, so you can make smart decisions with full confidence.
Frequently Asked Questions
Can I get a home loan if I’m self-employed?
Yes, absolutely. Being self-employed doesn’t mean you can’t get a competitive home loan — it just means you need the right strategy. Mill Finance specialises in helping self-employed individuals and business owners who may not have standard income documents. We help present your financials clearly to lenders and structure the loan in a way that highlights your strengths, giving you a great chance of approval.
What’s the benefit of using a mortgage broker?
Using a mortgage broker like Mill Finance gives you access to a wide range of lenders, not just one bank. This means more loan options, better rates, and a deal that actually suits your goals. We also manage all the paperwork and negotiations, saving you time and hassle while giving you expert guidance every step of the way.
How much deposit do I need to buy a house?
The minimum deposit depends on the lender, but generally you’ll need at least 5–20%. Mill Finance helps you understand how much you need based on your personal situation, and we can guide you on options like LMI, guarantor loans, or government incentives that may help reduce your upfront costs.
Can I refinance my current home loan to get a better deal?
Yes. Refinancing is one of the smartest ways to reduce your repayments, access equity, or consolidate debt. Mill Finance reviews your current loan, compares it with market options, and helps you switch to a better deal — all with minimal fuss.
What is an SMSF loan and can I get one?
An SMSF loan allows you to purchase residential or commercial property through your self-managed super fund. It can be a powerful wealth-building strategy if done correctly. Mill Finance has extensive experience helping clients through this process, ensuring compliance, structure, and results that support your long-term goals.
I’ve been declined by a bank — can you still help me?
Yes. Many of our clients come to us after being declined elsewhere. Mill Finance works with a wide panel of lenders, including those open to complex income or alternative documentation. We take the time to understand your circumstances, restructure your application if needed, and find a lender that will consider your full financial picture.