Do you charge a fee for self-employed home loans?

For most residential loans, there's no direct fee to you. We're typically paid by the lender if your loan settles. Some scenarios may involve a fee — we'll always explain this upfront.

How many lenders do you have access to?

We can compare options across 40+ lenders, including major banks and specialist non-bank lenders who understand self-employed income.

Can I get a home loan if I'm self-employed?

Yes. Many lenders have options for self-employed borrowers, including low doc and alt doc pathways using BAS statements, bank statements, or accountant declarations instead of full tax returns.

What is a low doc home loan?

A low doc (low documentation) home loan allows self-employed borrowers to verify income using alternative documents such as BAS statements, bank statements, or an accountant's letter, rather than full tax returns.

How long does home loan approval take for self-employed borrowers?

Typically 5–10 business days from submission to approval, depending on the lender and documentation. We prepare everything upfront to avoid delays.

What deposit do I need as a self-employed borrower?

Low doc loans typically require a 20% deposit. Full doc options may allow 10% or less. First home buyers may also access government schemes to reduce deposit requirements.

Self-Employed & Low Doc Loan Specialists

Specialist Lending for Self-Employed Builders

Home Loans for Self-Employed Builders — Built Around How You Actually Earn

You build homes for a living, but getting finance for your own can feel impossible. Progress payments, subcontractor costs, and project-based income confuse the banks. We specialise in making it work.

Check My Options — Free Consultation Call 1300 422 506

No full tax returns needed

BAS, bank statements, or accountant letter

40+ lenders

Including specialist non-bank lenders

Built for builders

We understand your income structure

Why builders 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:

Progress payment income is lumpy

Builders receive large payments at project milestones, then have quiet periods. Banks see inconsistency — we see a thriving business with a healthy pipeline.

High business expenses reduce taxable income

Materials, subcontractors, equipment hire, insurance, and vehicle costs are all necessary — but they make your tax return look like you barely earn anything.

Complex business structures

Many builders operate through companies or trusts for liability protection. Banks assess these structures differently, and some won't touch them.

Seasonal construction cycles

Weather, council approvals, and market conditions create natural income fluctuations. Banks want consistent monthly income — that's not how building works.

How we get builders approved

We know which lenders work with self-employed builders and exactly how to present your application for the best chance of approval.

BAS-Based Lending

Your BAS shows real project turnover. We use this to demonstrate strong business income to lenders who understand construction cash flow.

Bank Statement Assessment

Lenders review your business account deposits over 3–6 months. Ideal for builders with strong cash flow from multiple active projects.

Company & Trust Structures

We know which lenders assess company and trust income favourably, including director guarantees and beneficiary distributions.

Full Doc with Add-Backs

Depreciation on vehicles, equipment, and one-off project costs can be added back to boost borrowing power with the right lender.

Common scenarios we help builders with

Buying your first home while running a building business

Purchasing land to build your own home

Investing in property to grow your portfolio

Refinancing after setting up your own building company

Buying a property with a workshop or yard for your business

Construction loans for owner-builder projects

Australia's Self-Employed & Low Doc Loan Specialists

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.

Book Free Consultation Call 1300 422 506

40+

Lenders on panel

30+

Years experience

FBAA

Fully accredited

Australia

Wide service area

FAQs for self-employed builders

Can I get a home loan if I operate through a company or trust?+

Yes. We work with lenders who understand company and trust structures common in the building industry. The key is matching your structure with the right lender.

I have a large pipeline of work but my tax return is low — can you help?+

Absolutely. We use BAS statements, bank statements, and signed contracts to demonstrate your true earning capacity beyond what the tax return shows.

How do lenders view progress payments?+

Some lenders struggle with progress payment income. We target lenders who understand construction payment cycles and assess income accordingly.

Can I get finance for both my home and an investment property?+

Yes. We can structure lending across multiple properties, using equity and income strategically to maximise your borrowing capacity.

What if I've only been a licensed builder for 2 years?+

Many lenders accept 2 years of self-employment history. Some specialist lenders can work with as little as 12 months if you have prior industry experience.

Still have questions?

Book a free, no-obligation consultation and we'll walk you through your options.

Send an Enquiry Call 1300 422 506