Specialist Lending for Self-Employed Truck Drivers
Home Loans for Owner-Drivers & Self-Employed Truck Drivers
You keep Australia moving. But banks don't always understand owner-driver income, fuel costs, truck finance, and the contract-based nature of transport work. We specialise in getting truck drivers approved.
No full tax returns needed
BAS, bank statements, or accountant letter
40+ lenders
Including specialist non-bank lenders
Built for truck drivers
We understand your income structure
Why truck drivers 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:
Truck finance reduces your borrowing power
Monthly repayments on your truck eat into your serviceability. Banks see the commitment and reduce what they'll lend for a home — even when you're earning well.
Fuel, maintenance, and running costs crush taxable income
Diesel, tyres, servicing, registration, and insurance are massive costs. Your tax return shows a fraction of what you actually earn.
Contract-based income looks unstable
Working on contracts with transport companies or freight brokers means income varies. Banks want stable, predictable pay — that's not how owner-driving works.
Long hours leave no time for paperwork
You're on the road constantly. Gathering documents, chasing accountants, and dealing with bank requests is the last thing you need.
How we get truck drivers approved
We know which lenders work with self-employed truck drivers and exactly how to present your application for the best chance of approval.
BAS-Based Lending
Your BAS shows total transport income including all contracts and loads. We use this to demonstrate real earnings to lenders who accept BAS as primary evidence.
Bank Statement Assessment
Regular deposits from transport companies and freight contracts show consistent income. We use 3–6 months of statements to prove your capacity.
Truck Finance Structuring
We work with lenders who understand that truck repayments are a business cost, not just a personal liability. Some lenders treat this more favourably than others.
Accountant Declaration
A simple letter from your accountant confirming your income can unlock lending options without needing full financial statements.
Common scenarios we help truck drivers with
Buying your first home while running your own truck
Purchasing a home for your family while you're on the road
Investing in property to build wealth alongside your transport business
Refinancing after purchasing your own truck
Consolidating truck finance and personal debts
Buying a property with space for truck parking
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 truck drivers
Will my truck finance reduce how much I can borrow for a home?+
It's factored in, but we work with lenders who treat truck repayments as a business expense rather than a personal liability, which can improve your borrowing power.
I'm an owner-driver on contract — can I get a home loan?+
Yes. We present contract income with supporting documentation and match you with lenders who understand the transport industry.
My tax return shows very low income after expenses — what can I do?+
Low doc options using BAS or bank statements can demonstrate your real income. Add-backs for depreciation and one-off costs also help.
I don't have time to gather lots of documents — is that a problem?+
We make it as easy as possible. Low doc options require minimal paperwork, and we handle the heavy lifting with lenders on your behalf.
Can my partner's income help the application?+
Absolutely. Combining PAYG and self-employed income is a common strategy that can significantly boost borrowing power.
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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