Specialist Lending for Self-Employed Real Estate Agents
Home Loans for Self-Employed Real Estate Agents — We Understand Commission Income
You help others buy homes every day. But when it comes to your own home loan, banks struggle with commission-based income, irregular payments, and the feast-or-famine nature of real estate sales. We know how to make it work.
No full tax returns needed
BAS, bank statements, or accountant letter
40+ lenders
Including specialist non-bank lenders
Built for real estate agents
We understand your income structure
Why real estate agents 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:
Commission income is irregular and unpredictable
One month you close three deals, the next month none. Banks want consistent monthly income — that's not how real estate commissions work.
Banks average your income down
When banks average commission income over 2 years, a slow period can drag down your assessed income significantly — even if you're now earning more.
Marketing and business development costs
Advertising, signage, photography, vehicle costs, and client entertainment are all necessary expenses that reduce your taxable income.
Recently started your own agency
Going from employed agent to running your own agency changes how banks assess your income. The transition period creates uncertainty for lenders.
How we get real estate agents approved
We know which lenders work with self-employed real estate agents and exactly how to present your application for the best chance of approval.
Commission Income Assessment
We know which lenders assess commission income favourably — including those who use the most recent 12 months rather than averaging over 2 years.
BAS-Based Lending
Your BAS shows total business turnover from all commission payments. We use this to demonstrate strong income to lenders who accept BAS as primary evidence.
Bank Statement Assessment
Regular commission deposits show your real earning pattern. We use 3–6 months of bank statements to prove your capacity to the right lender.
Agency Owner Strategies
If you run your own agency, we present business income including team commissions, management fees, and property management revenue to maximise borrowing power.
Common scenarios we help real estate agents with
Buying your first home on commission income
Purchasing an investment property to build your portfolio
Refinancing after starting your own real estate agency
Upgrading to a prestige home that reflects your success
Buying a home while transitioning from employed to self-employed
Consolidating business and personal debts
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 real estate agents
How do lenders assess commission income?+
It varies. Some average over 2 years, others use the most recent 12 months. We match you with lenders who assess your commission income most favourably.
I had a slow year last year but I'm earning well now — does that matter?+
It can with some lenders. We target those who weight recent income more heavily, or use BAS/bank statements to show your current earning trajectory.
I just opened my own agency — can I get a home loan?+
Yes. If you have prior experience as a real estate agent and can demonstrate income through BAS or bank statements, several lenders will consider your application.
Can I include property management income?+
Absolutely. Recurring property management fees are viewed favourably by lenders as they represent stable, ongoing income.
What deposit do I need on commission income?+
This depends on the lending pathway. Full doc options may allow 10–20%. Low doc options typically require 20%. We'll find the best fit for your situation.
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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