Self Employed
Helping Business Owners Get Approved
Fluctuating income and business deductions shouldn't make it harder to buy a home, but with the wrong lender, they often do. A lot of business owners get knocked back when applying for a home loan, not because they don't make money, but because their income doesn't fit the standard template most lenders are built around.
We start by understanding how your income actually flows, whether that's through a sole trader structure, a company, a trust, or a mix of entities, and work out how each lender on our panel is likely to interpret it. This is often where self employed applications succeed or fail, the same set of financials can be read completely differently depending on which lender is assessing them.
Where your financials aren't finalised, or your latest tax return hasn't been lodged yet, that doesn't have to be a dead end. We talk you through low doc and alternative documentation options when required, always explaining the trade-offs honestly rather than pushing you toward a more expensive product just because it's easier to place.
Our goal is matching you with a lender who reads the full picture of your business, not just the bottom line on a tax return.
How We Help
Income Assessment and Structuring
Low Doc and Alt Doc Home Loan Options
Strategic Lender Selection
Loan Repayment Calculator
See what your monthly repayments could look like based on your loan amount, interest rate and loan term.
Borrowing Capacity Calculator
Find out how much you may be able to borrow based on your income, expenses and current financial situation.
Frequently Asked
Read through our FAQ’s for added information. Have other questions? Contact our team today.
This is common and doesn't have to be a barrier. We look at alternative ways to verify your actual earning capacity beyond just the bottom line on your tax return.
Yes, self employed doesn't have to mean a higher rate. We match you with lenders who price self employed applications competitively rather than penalising you by default.
It can, since most lenders prefer at least one to two years of trading history, though some will consider a shorter history with the right supporting documentation.
This can include tax returns, financial statements, BAS statements, or in some cases bank statements, depending on the lender and loan type. We match you with lenders suited to your documentation.
It can change how a lender assesses your income. We look at how your income actually flows through your structure and match you with lenders who are comfortable assessing it that way.
In some cases yes, through low doc or alternative documentation options with lenders who understand self employed income. We talk you through what is available and what trade-offs apply.
