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 Landscapers

Home Loans for Self-Employed Landscapers — Grow Your Future, Not Just Gardens

You transform outdoor spaces for a living. But banks don't always understand seasonal income, material costs, and the project-based nature of landscaping. We specialise in getting landscapers approved with the right lender.

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 landscapers

We understand your income structure

Why landscapers 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:

Seasonal income swings

Landscaping is busier in spring and summer, quieter in winter. Banks see the slow months and assume your income is unreliable — even when your annual earnings are strong.

Material and equipment costs eat into profit

Plants, soil, pavers, machinery hire, and fuel are all essential costs. They reduce your taxable income significantly, making banks think you earn less.

Mix of maintenance and project work

Regular maintenance contracts provide steady income, while large landscaping projects bring lumpy payments. Banks struggle to assess both together.

Cash-heavy payment patterns

Some residential clients pay cash. Without clear bank deposits for every job, proving income becomes harder with traditional lenders.

How we get landscapers approved

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

BAS-Based Lending

Your quarterly BAS captures all business turnover — including cash and card payments reported through your accounting. We use this as primary income evidence.

Bank Statement Assessment

Lenders review 3–6 months of business deposits. If you have regular maintenance income plus project payments, this paints a strong picture.

Seasonal Income Strategies

We know which lenders average income over 12 months rather than looking at individual months. This smooths out seasonal dips and shows your true annual capacity.

Accountant Declaration

A letter from your accountant confirming your income can fast-track approval when full financials don't reflect your real earnings.

Common scenarios we help landscapers with

Buying your first home as a sole trader landscaper

Purchasing a property with land for equipment storage

Investing in property to build long-term wealth

Refinancing after starting your own landscaping business

Upgrading to a larger family home

Consolidating equipment 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 landscapers

Will my winter income dip affect my loan approval?+

Not with the right lender. We target lenders who average your income over 12 months, so seasonal dips don't penalise your application.

I have maintenance contracts — does that help?+

Yes, regular maintenance contracts show stable, recurring income. We highlight these in your application to demonstrate income reliability.

Can I get a loan if I've only been self-employed for a year?+

Yes. Some lenders accept 12 months of ABN history with BAS or bank statement verification. Prior experience in the industry also helps.

I have equipment finance — will that reduce my borrowing power?+

Existing commitments are factored in, but we structure applications to minimise the impact. In some cases, consolidation may actually improve your position.

What deposit do I need as a self-employed landscaper?+

Low doc options typically require 20%. Full doc pathways may allow 10% or less depending on your situation and the lender.

Still have questions?

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

Send an Enquiry Call 1300 422 506