Specialist Self-Employed Lending
Self-Employed Home Loans That Actually Get Approved
Most brokers struggle with self-employed applications. We specialise in them. With access to 40+ lenders — including non-bank specialists — we find the right fit for your income structure.
Why self-employed borrowers need a specialist broker
Self-employed income is assessed differently by every lender. The difference between approval and rejection often comes down to knowing which lender suits your structure — and how to present your application.
Challenge: Irregular income patterns
We present your income in the best light using the right documentation strategy for each lender.
Challenge: Tax minimisation reducing borrowing power
We know which lenders use add-backs and how to structure applications to maximise capacity.
Challenge: Complex business structures
Trusts, companies, partnerships — we understand how lenders assess each structure differently.
Challenge: Multiple income streams
Rental income, dividends, director fees — we consolidate everything to show your true earning capacity.
Self-employed loan types we arrange
Different situations call for different documentation. We match you with the right loan type and the right lender.
Full Doc Self-Employed Loans
Using your last 2 years of tax returns and financials. Best rates available for borrowers with strong documented income.
Low Doc Loans
Using BAS statements, bank statements, or accountant declarations instead of full tax returns. Ideal when your tax returns don't reflect true earning capacity.
Alt Doc Loans
Alternative documentation pathways for business owners who don't fit standard categories. Flexible verification options across specialist lenders.
ABN-Only Loans
Some specialist lenders can work with just your ABN registration and bank statements. Minimum 12 months ABN typically required.
Industry-specific home loan guides
Every industry has unique income challenges. We've created dedicated guides for the most common self-employed professions we help. Click through to find tailored information for your trade or profession.
Electricians
Specialist lending for self-employed electricians with seasonal and project-based income.
View guide →Plumbers
Home loans for self-employed plumbers — emergency call-outs, heavy deductions, and cash flow.
View guide →Builders & Contractors
Finance solutions for builders dealing with progress payments and complex structures.
View guide →Mechanics
Home loans for workshop owners and mobile mechanics with high parts and equipment costs.
View guide →Carpenters
Lending for self-employed carpenters with project-based and subcontracting income.
View guide →Landscapers
Home loans for landscapers dealing with seasonal income swings and material costs.
View guide →Painters & Decorators
Finance for self-employed painters with subcontracting and weather-dependent income.
View guide →Truck Drivers & Transport
Owner-driver and self-employed truck driver home loans — truck finance, fuel costs, and contracts.
View guide →Hairdressers & Beauty
Lending for salon owners, chair renters, and beauty professionals with flexible income.
View guide →IT Contractors & Freelancers
Contract-based lending for IT professionals, developers, and tech freelancers.
View guide →Real Estate Agents
Commission income lending for self-employed real estate agents and agency owners.
View guide →Personal Trainers & Fitness
Home loans for PTs and fitness professionals with session-based and mixed income.
View guide →Cleaners & Cleaning Businesses
Finance for cleaning business owners with contract income and cash-heavy operations.
View guide →Accountants & Bookkeepers
Lending for self-employed accountants with partnership, trust, and practice income.
View guide →All Tradies
Catch-all lending solutions for self-employed tradies across every trade in Australia.
View guide →Who we help
Sole traders
Company directors
Partnership owners
Trust beneficiaries
Contractors & freelancers
ABN holders (12+ months)
30+ years of finance experience
Chris Brown, Managing Director of New Vision Financial Services, has spent over three decades in banking and finance. That deep experience means faster approvals, better structures, and fewer surprises for self-employed borrowers.
40+
Lenders on panel
30+
Years experience
FBAA
Fully accredited
Australia
Wide service area
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