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 Plumbers

Home Loans for Self-Employed Plumbers — Banks Say No, We Find a Way

You keep Australia's water flowing, but banks don't always understand how plumbing businesses earn. Variable income, heavy deductions, and cash-intensive work shouldn't stop you from owning a home. We know which lenders get it.

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 plumbers

We understand your income structure

Why plumbers 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:

Emergency call-out income is hard to prove

After-hours and emergency plumbing work generates great income, but it's irregular and hard to document in a way banks accept.

Heavy vehicle and equipment deductions

Your van, tools, pipe-fitting equipment, and insurance premiums are all legitimate deductions — but they crush your taxable income on paper.

Mix of residential and commercial contracts

Banks get confused when income comes from multiple sources — maintenance contracts, new builds, renovations, and direct consumer work.

Cash flow doesn't match tax returns

Your bank account shows strong deposits, but your tax return tells a different story. Most banks only look at the tax return.

How we get plumbers approved

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

BAS-Based Lending

Your quarterly BAS shows real business turnover. We use this to demonstrate income to lenders who accept BAS as primary evidence — bypassing the tax return issue.

Bank Statement Assessment

Lenders review 3–6 months of business bank statements to assess income. Perfect for plumbers with strong, consistent deposits.

Accountant Letter Verification

A simple letter from your accountant confirming your income can unlock lending options without needing full financial statements.

Add-Back Strategies

We identify lenders who add back depreciation on vehicles, one-off purchases, and other deductions to maximise your borrowing power.

Common scenarios we help plumbers with

Buying your first home as a sole trader plumber

Upgrading from a unit to a house for your family

Purchasing an investment property to build wealth

Refinancing after transitioning from employee to self-employed

Consolidating a business loan with your mortgage

Buying a property with a workshop or shed for your business

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 plumbers

I've only been self-employed for 12 months — can I get a loan?+

Yes. Some lenders accept 12 months of ABN registration with supporting documents like BAS statements or bank statements. We'll match you with the right option.

My tax return shows low income because of deductions. Does that matter?+

It matters to some lenders, but not all. We target lenders who use add-backs and alternative income verification so your true earning capacity is recognised.

Can I use my partner's PAYG income to boost the application?+

Absolutely. Combining a PAYG income with self-employed income can significantly improve borrowing power. We structure these applications regularly.

Do I need a large deposit as a self-employed plumber?+

Not necessarily. Low doc loans typically require 20% deposit, but full doc options may allow 10% or less. First home buyers may access government schemes too.

How long does approval take for self-employed plumbers?+

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

Still have questions?

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

Send an Enquiry Call 1300 422 506