Specialist Lending for Self-Employed Painters
Home Loans for Self-Employed Painters — A Fresh Coat of Confidence for Your Finance
You transform homes and commercial spaces with precision and skill. But when it comes to your own home loan, banks don't understand subcontracting income, material costs, and the project-based nature of painting. We do.
No full tax returns needed
BAS, bank statements, or accountant letter
40+ lenders
Including specialist non-bank lenders
Built for painters
We understand your income structure
Why painters 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:
Subcontracting income is inconsistent on paper
Working for builders and property managers means income comes in waves. Banks see gaps between projects and assume instability.
Paint, materials, and vehicle costs reduce taxable income
Buying paint, supplies, scaffolding hire, and running your vehicle are essential costs — but they shrink your tax return significantly.
Seasonal and weather-dependent work
Exterior painting slows in wet weather. Interior work picks up in winter. Banks don't understand these natural cycles.
Recently went from employee to self-employed
Many painters start as employees then branch out. Banks want 2+ years of self-employment history before they'll consider you.
How we get painters approved
We know which lenders work with self-employed painters and exactly how to present your application for the best chance of approval.
BAS-Based Lending
Your BAS shows real business turnover from all painting jobs. We use this to demonstrate income to lenders who accept BAS as primary evidence.
Bank Statement Assessment
Regular deposits from builders, property managers, and direct clients show consistent income. We use 3–6 months of statements to prove capacity.
Accountant Declaration
Your accountant provides a letter confirming your income. This can fast-track approval when tax returns don't reflect your true earnings.
Add-Back Strategies
Vehicle depreciation, equipment purchases, and material costs can be added back with lenders who understand trade business expenses.
Common scenarios we help painters with
Buying your first home as a sole trader painter
Upgrading to a bigger home for your family
Purchasing an investment property
Refinancing after going self-employed
Consolidating vehicle finance and personal debts
Buying a home with a shed or storage space for equipment
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 painters
I mostly subcontract to builders — can I still get a home loan?+
Yes. We present subcontracting income with invoices, BAS, and bank statements. The right lenders understand this income model well.
My tax return shows low profit — does that matter?+
It matters to some lenders, but not all. Low doc options look beyond tax returns using BAS, bank statements, or accountant declarations.
How long do I need to have been self-employed?+
Most lenders want 12–24 months of ABN history. Some specialist lenders accept 12 months if you have prior painting experience as an employee.
Can I include income from both residential and commercial painting?+
Absolutely. We consolidate all income streams and present them clearly to lenders who understand diversified trade income.
What deposit do I need?+
Low doc loans typically require 20%. Full doc options may allow 10% or less. Government schemes may reduce this further for first home buyers.
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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