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 Cleaners

Home Loans for Self-Employed Cleaners — Clean Record, Clear Path to Ownership

You run a reliable cleaning business with regular clients. But banks don't always understand contract cleaning income, cash payments, and the way cleaning businesses operate. We know which lenders will approve you.

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 cleaners

We understand your income structure

Why cleaners 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:

Cash payments are hard to verify

Many residential cleaning clients pay cash. Without bank deposits for every job, proving your total income to a bank becomes difficult.

Low taxable income despite strong earnings

Vehicle costs, cleaning supplies, insurance, and equipment reduce your taxable income. Banks see the tax return and think you earn less than you do.

Contract cleaning income varies

Commercial contracts may change, residential clients come and go. Banks see fluctuations and assume instability.

Banks don't take cleaning businesses seriously

Some lenders view cleaning as a lower-income industry. They don't understand that established cleaning businesses can generate excellent income.

How we get cleaners approved

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

BAS-Based Lending

Your BAS shows total business turnover from all cleaning contracts and clients. We use this to demonstrate real income to lenders who accept BAS as primary evidence.

Bank Statement Assessment

Regular deposits from commercial contracts and residential clients show consistent income. We use 3–6 months of statements to prove your capacity.

Contract Income Verification

If you have commercial cleaning contracts, we present these as evidence of stable, ongoing income — which lenders view very favourably.

Accountant Declaration

Your accountant confirms your income with a letter. This bypasses the need for full financials when your tax return doesn't tell the full story.

Common scenarios we help cleaners with

Buying your first home as a sole trader cleaner

Purchasing a home while growing your cleaning business

Investing in property for long-term wealth

Refinancing after starting your own cleaning company

Upgrading to a larger family home

Consolidating vehicle finance with your mortgage

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 cleaners

I have a mix of cash and bank transfer clients — can I still get a loan?+

Yes. We focus on the income that flows through your bank account and BAS. The key is demonstrating consistent business activity to the right lender.

I have commercial cleaning contracts — does that help?+

Absolutely. Commercial contracts show stable, recurring income. We highlight these in your application to demonstrate reliability.

My tax return shows very low income — what can I do?+

Low doc options using BAS or bank statements can demonstrate your real income. Add-backs for vehicle and equipment costs also help.

I've been cleaning for 2 years but only registered my ABN recently — is that okay?+

ABN registration date matters to lenders. If your ABN is recent, we may need to use other evidence of your cleaning history. We'll find the best pathway.

What deposit do I need?+

Low doc loans typically require 20%. Full doc options may allow less. Government schemes may further reduce deposit requirements for first home buyers.

Still have questions?

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

Send an Enquiry Call 1300 422 506