Specialist Lending for Self-Employed Accountants
Home Loans for Self-Employed Accountants — You Know the Numbers, We Know the Lenders
You understand finance better than most. But when it comes to your own home loan, banks assess self-employed accountants the same way they assess everyone else — and your practice structure, fee income, and deductions can work against you. We fix that.
No full tax returns needed
BAS, bank statements, or accountant letter
40+ lenders
Including specialist non-bank lenders
Built for accountants
We understand your income structure
Why accountants get knocked back by the banks
It's not that you can't afford a home loan. It's that the banks don't understand how your income works. Here's what we see all the time:
Practice income is seasonal (tax time peaks)
Accounting practices earn heavily during tax season and BAS lodgement periods. Banks see the quieter months and underestimate your annual income.
Partnership and trust structures complicate assessment
Many accounting practices operate as partnerships or through trusts. Banks assess these structures differently, and some won't accept trust distributions.
Business development costs reduce taxable income
Office rent, staff wages, software subscriptions, CPD, and professional memberships all reduce your taxable income significantly.
You've been too busy to update your own financials
Ironically, many accountants are so busy with client work that their own financial statements aren't up to date. Banks need current figures.
How we get accountants approved
We know which lenders work with self-employed accountants and exactly how to present your application for the best chance of approval.
BAS-Based Lending
Your BAS shows total practice turnover from all fee income. We use this to demonstrate strong business income to lenders who accept BAS as primary evidence.
Partnership & Trust Income Assessment
We know which lenders assess partnership income and trust distributions favourably. We structure applications to maximise your assessed income.
Professional Income Recognition
Some lenders have specific policies for professional service providers like accountants. We leverage these to get better assessment outcomes.
Bank Statement Assessment
Regular fee income deposits show consistent practice revenue. We use 3–6 months of statements when full financials aren't ready.
Common scenarios we help accountants with
Buying your first home while building your practice
Purchasing an investment property with practice income
Refinancing after buying into or starting a practice
Upgrading to a larger home for your family
Buying a property that includes office space for your practice
Consolidating practice debt with your mortgage
30+ years helping self-employed Australians get approved
Chris Brown, Managing Director of New Vision Financial Services, has spent over three decades in banking and finance. He understands the frustration of being told "no" by a bank when you know you can afford the repayments. That's why New Vision specialises in finding the right lender for self-employed borrowers.
We don't just submit your application and hope for the best. We strategically match your income profile with lenders who understand self-employed income — and we present your application in the strongest possible light.
40+
Lenders on panel
30+
Years experience
FBAA
Fully accredited
Australia
Wide service area
FAQs for self-employed accountants
I'm a partner in an accounting firm — how is my income assessed?+
It depends on the lender. Some use your share of partnership profit, others look at drawings. We match you with lenders who assess partnership income most favourably.
My practice operates through a trust — is that a problem?+
Not with the right lender. We know which lenders accept trust distributions and how to present trust income for maximum borrowing power.
I know my numbers are good but my tax return doesn't show it — what can I do?+
Low doc options using BAS or bank statements can demonstrate your real income. As an accountant, you can also provide a self-declaration with some lenders.
I recently bought into a practice — will that affect my application?+
The practice buy-in debt is factored in, but we structure applications to minimise the impact and highlight the income-generating nature of the investment.
What deposit do I need?+
Full doc options may allow 10–20%. Low doc options typically require 20%. Professional lending policies may offer additional flexibility.
Still have questions?
Book a free, no-obligation consultation and we'll walk you through your options.
Other self-employed loan guides
We specialise in home loans for self-employed Australians across every industry.
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