Home loans built
for self-employed
Australians
Home loans designed for the way you work
We provide clear guidance and access to lenders who understand self-employed income, moving beyond the “one-size-fits-all” approach.
Will you get approved?
For most lenders, self-employed borrowers are assessed using tax returns and financial statements.
But approval is possible even if:
- You have only one year’s tax returns or alternative income verification.
- You’ve recently started a business but stayed in the same industry.
- Your overall application is strong and structured correctly for the right lender.
Property considerations:
- Lenders generally prefer self-contained properties with their own kitchen and bathroom.
- Smaller blocks of units are often viewed more favorably.
Eligibility depends on specific lender policies and your individual circumstances.
How do lenders calculate your income?
Most lenders rely on past tax returns to assess how stable your business income is likely to be in the future.
They may take different approaches:
- Use the lowest income from the last two years
- Average the last two years
- In some cases, use 120% of the lowest year’s income
We know lenders that accept:
- Six months’ payslips
- A letter from your accountant
- Alternative documentation instead of full tax returns and financials
Find better home loan rates
Your interest rate should reflect your financial strength, not just an advertised “teaser” rate. We help you secure pricing based on your unique profile.
How lenders decide your rate:
- Credit history and overall financial position.
- Deposit size and Loan-To-Value ratio (LVR).
- Many borrowers qualify for niche or professional discounts that aren’t advertised to the general public.
Starting from
%*
p.a.
Comparison rate
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p.a.
Disclaimer: Your actual rate may vary according to your preferred lender and mortgage situation/needs. Talk to our experts for a personalised quote.
Being self-employed they sorted out the best lender for me. They showed patience and knowledge of their processes.
We weren’t 100% sure we could get the loans because of our self-employed status but Sheng found a way!
As a self-employed person that is also getting a PhD stipend, they got me approved and helped me every step of the way.
What sets us apart?
Home Loan Experts exists to bridge the gap for you. We specialise in the details that lenders require.
We turn complexity into approvals
We know how to present business financials, so lenders see the strength in your income.
A mortgage that fits your needs
We don’t just find a rate. We structure your loan to work with your cash flow and specific business goals.
and many more…
Lenders
50+ lenders compared for you
We compare lenders to find those whose credit policy aligns with your business structure.
Enquire TodayGet approved without the guesswork
Join over thousands of self-employed borrowers who found their home through us. No obligation. No hidden fees.