Being your own boss shouldn’t mean a harder loan.
Banks love neat payslips. Business owners, contractors and freelancers rarely have them. We work with lenders who read business financials properly and treat your income with the respect it deserves.
of self-employed Australians get home loans every month. The trick is applying to the right lender.
How we get self-employed loans approved.
A “no” from one bank says nothing about your real position. Here’s how we build your case.
Show your true income
Add-backs like depreciation and one-off costs can lift your assessable income well above your taxable income. We know how to present them.
Alt-doc options
Less than two years of financials? Some lenders accept BAS statements, bank statements or an accountant’s letter instead.
Sole trader, company or trust
However your business is structured, we’ll match you with lenders who understand it rather than fear it.
The right lender first
We shortlist lenders who actually like self-employed borrowers, so you apply once, in the right place.
From financials to keys, here’s how it goes.
A proper look at your numbers
We review your financials the way a good lender would, and tell you honestly where you stand.
We build your case
Add-backs, trends, context. We package your income story so it reads as strongly as it really is.
The right lender, once
We lodge with the lender most likely to say yes to your profile, rather than spraying applications around.
Settled and supported
Once you’re in, we keep reviewing your loan as your business grows and your situation changes.
What locals say on Google.
Self-employed questions we hear every week.
How do lenders assess self-employed income?+
Most look at your last two years of tax returns and financial statements, often averaging them. Some weight the most recent year. We know which approach suits your numbers and choose lenders accordingly.
I’ve been in business under two years. Any hope?+
Yes. Some lenders accept one year of financials, and alt-doc products can work with even less history, especially if you were previously employed in the same field.
My taxable income looks low. Is that a problem?+
Not necessarily. Legitimate add-backs can significantly lift your assessable income. This is exactly where a broker earns their keep.
Do I pay higher rates as a self-employed borrower?+
With full financials, you’ll usually get the same rates as everyone else. Alt-doc loans can carry a small premium, and we’ll always show you the trade-off clearly.
Run your own show? Let’s get you home.
Bring your story, not just your tax returns. We’ll tell you honestly what’s possible and the fastest way to get there.
Or skip all of this and call James directly on 0405 069 441.