Self-employed? You're not unbankable.
Banks love payslips. Business owners don't have them. We know the lenders who understand real-world business income, and how to present yours so it counts.
Your complete financial situation will need to be assessed before acceptance of any proposal or product. Lender criteria, terms, fees and charges apply.
Your business is the asset. We make lenders see it.
If you've ever felt that being self-employed makes lenders treat you like a risk, you're not imagining it. Standard bank policy is built for salaried employees; business owners get asked for more paperwork, assessed more conservatively, and too often declined for reasons that have nothing to do with their real position.
The reality is that lenders vary enormously in how they treat self-employed income. Some average two years of financials; some use the most recent year; some accept accountant declarations, BAS or business bank statements instead of full financials (alt-doc). Some add back depreciation and one-off expenses, some don't. Choosing the right lender for how your business looks on paper is most of the battle, and that's exactly what we do.
Tradies, contractors, consultants, company directors, sole traders, Daniel works with business owners every week, and having run projects in construction, he knows what irregular income actually looks like. We'll tell you honestly what's achievable now, and if the answer is 'wait until your next tax return', we'll tell you that too, with a plan.
How we get self-employed deals approved
Policy Matching
We know which lenders average income, which use the latest year, and which accept alt-doc, and we pick the one your figures look strongest with, before anything hits your credit file.
Presentation Matters
Add-backs, one-off costs, retained profits, presented properly, your true income is often much higher than your taxable income. We build that case for the lender.
Your Accountant, Looped In
We work alongside your accountant so the financials, declarations and timing line up, and so your loan strategy doesn't fight your tax strategy.
Borrowing power estimator
A rough guide to what you might borrow, based on income and commitments. Self-employed assessments vary significantly by lender, treat this as a starting point.
Planning tool only. Any pre-filled figures are hypothetical assumptions, not advertised lender rates, quotes or offers. Change the inputs to reflect your circumstances. Results exclude costs described below.
Estimates only. This is a simplified model: it approximates after-tax income, applies the standard 3% serviceability buffer to the rate, and assumes a 30-year term. Real lender assessments use your actual financials, household size and detailed expense categories, and results vary widely between lenders, especially for self-employed applicants. Results do not constitute credit advice or an offer of finance, and your eligibility depends on a full assessment of your circumstances. Talk to us for figures based on your actual situation.
Self-Employed Lending FAQs
How long do I need to have been self-employed to get a home loan?
What documents do I need as a self-employed applicant?
My taxable income looks low because of deductions. Am I stuck?
Are low-doc loans more expensive?
Will using a broker stop multiple credit hits?
Run your own show? Let’s explore your options.
Tell us about your business and what you're trying to do, we'll tell you honestly what's achievable.