Self Employed Borrowers
Home loans made simple for business owners and the self-employed.
Being your own boss shouldn’t make borrowing harder. We work with lenders who understand how self-employed income works — including BAS, company financials, and alternative documentation.
Whether you’re a sole trader, contractor, or run your own business, we’ll help you present a strong application and find lenders who assess your situation fairly.
We’ll also help with structuring the loan in a way that complements your cash flow and tax planning.
Self Employed Borrowers FAQs
Can I get a home loan if I’m self-employed?
Yes. Being self-employed doesn’t stop you from borrowing—it just means the documentation process is a little different. We understand how to present your income and business structure in a way that meets lender criteria.
What income evidence do lenders need?
Typically, lenders will ask for the last two years of personal and business tax returns, financial statements, and sometimes BAS statements. However, if you don’t have full financials yet, there are “alt doc” options available with some lenders. We’ll let you know what’s suitable for your situation.
My income varies throughout the year. Will that be a problem?
Not necessarily. Lenders understand that self-employed income can fluctuate. Some assess income based on an average of the last two years, while others take the lower or most recent year. We’ll find lenders that take a common-sense approach and help package your application to highlight income stability.
Are interest rates higher for self-employed borrowers?
Sometimes but not always. If you have strong documentation, you will likely get a better rate. Where documentation is limited, rates may be slightly higher—but we’ll be transparent and help you compare.
Can I still access government schemes or benefits?
Yes—if you meet the eligibility criteria. Being self-employed doesn’t disqualify you from first home buyer schemes or other support. We’ll help you document your income clearly so that you can access all relevant benefits.
