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New Vision Financial Services

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

Want to chat about your loan options?

Send a quick message and we'll get back to you within 1 business day.

Prefer to book a time?

Book a free 15-minute discovery call at a time that suits you.

Book a Free Consultation

Direct contact

[email protected]1300 422 506

Sydney, NSW — servicing clients Australia-wide

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