Home Loans for Self-Employed Australians
Being your own boss shouldn't stop you from owning your own home. We specialise in securing home loans for self-employed borrowers, business owners, sole traders, and company directors across Australia.
Get Your Free Self-Employed Loan Assessment
Tell us about your situation and we'll identify your best options.
Why Self-Employed Borrowers Struggle with Standard Lenders
Traditional lenders assess income using PAYG payslips and tax returns — a system designed for employees, not business owners. Self-employed income is often complex, variable, or structured in ways that don't reflect true earning capacity.
Tax Minimisation
Legitimate deductions reduce taxable income — but also reduce what lenders see as your income.
Variable Income
Business income fluctuates. Standard lenders struggle to assess what you can actually afford.
Complex Structures
Trusts, companies, and partnerships create complexity that standard assessors aren't equipped for.
The Solution: A Specialist Self-Employed Mortgage Broker
We know which lenders understand self-employed income, which policies favour your business structure, and how to present your application in the strongest possible light. We've helped hundreds of self-employed Australians get approved when others said it was impossible.
Which Loan Type Suits You?
2 years of tax returns and financial statements. Best rates available.
✓ Best if you have lodged tax returns showing strong income
BAS statements + signed income declaration. No tax returns required.
✓ Ideal if your tax returns don't reflect your current income
Business bank statements, accountant letter, or BAS statements.
✓ Maximum flexibility for complex income structures
Not sure which option is right for you? Book a free consultation and we'll assess your situation.
Who Can Apply for a Self-Employed Home Loan?
- ABN registered for at least 12 months (some lenders require 24 months)
- Sole traders, company directors, partnerships, and trusts
- Contractors and freelancers with consistent income
- Business owners across all industries
- Minimum 10% deposit (some lenders accept less with LMI)
- Clean or manageable credit history
Frequently Asked Questions
How long do I need to be self-employed to get a home loan?
Most lenders require at least 2 years of ABN registration for full doc loans. For low doc and alt doc loans, some lenders will accept 12 months of self-employment history, provided you can demonstrate consistent income.
Will my tax minimisation strategies affect my borrowing capacity?
This is one of the most common challenges for self-employed borrowers. If your tax returns show low income due to legitimate deductions, a low doc or alt doc loan may be more suitable, as these use bank statements or BAS to assess your actual cash flow.
Can I get a home loan if I've just started my business?
It's more challenging but not impossible. Some specialist lenders will consider applications from borrowers with less than 12 months of self-employment, particularly if you have a strong employment history in the same industry.
Do self-employed borrowers pay higher interest rates?
Not necessarily. With the right broker and the right lender, self-employed borrowers can access very competitive rates. The key is knowing which lenders are most favourable to your specific business structure and income type.