Yes! If you’re self-employed you can qualify for a home loan.

  • You can qualify without having to provide traditional income evidence.
  • Get approved with a lender that actually takes a common sense approach to your income and employment situation.

As seen in…

Our award-winning mortgage brokers will find you the right home loan for your situation.

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Why do banks have a problem if you’re self-employed?

Banks see your working situation just like they see a casual employee who just started a new job. Bank policy hasn’t caught up with their pre-approval systems meaning that, on paper, you appear to be less financially stable than someone who works full time.

The truth about people who are self-employed.

Depending on what field or industry you work in, you have the opportunity to earn a lot more money and you’re given the freedom to work on different projects, specifically if you contract to other companies.

Some of the highest paid self-employed people are either contractors, freelancers or consultants in the following industries:

  • IT.
  • Mining.
  • Medical industry.

We consider self-employed people to be a very low risk because:

  • We understand how they work.
  • They tend to get consistent pay.
  • They get paid really well.

What if I’ve just changed jobs?

Not a problem! If you have at least two years of experience in the same line of work and a consistent work record then you may still get approved.

With that under your belt, some lenders will approve your loan even if you’ve only been on the job for a day. Just don’t change jobs before your loan is settled!

What if I can’t provide tax returns for the last two years?

No worries! We can get your loan approved if you can provide any of the following as alternative evidence:

  • Tax invoices from the last 3 months.
  • Bank statements from the last 3 months showing regular salary credits.
  • Business Activity Statements (BAS) for the last 12 months.
  • A lender we work with will actually look at the income from your last job as proof that you can afford the loan.

We’ve lent more than $1 billion+ Australia-wide.

  • They walked us through the process step by step

    We would like to say thank you to Hank from Home Loan Experts for all his help in getting us a guarantor loan.

    We were really unsure if we would ever get an approval for a home loan, but Hank immediately knew the right lender to approach for our situation, and made the whole process simple…

    We would definitely recommend Home Loan Experts to anyone. Thanks again to Hank and the team from Home Loan Experts for making it possible for us to own our first home.

    Ianthe S & Jadobi l, Carina QLD

  • A very friendly, professional and helpful team

    The team was very friendly, professional, helpful and went out of their way to get the right loan that was suitable for us…

    I recommend this service for those who find it very hard to purchase a property going directly to a bank.

    Thank you Home Loan Experts, you have finally given my family and me the opportunity to own a beautiful home.

    Denise H, Epping VIC

  • A lot smoother and less stressful than having to deal with banks as an individual

    Our mortgage broker was very personable and made us feel like he went above and beyond to assist us in getting our home loan.

    He had a great knowledge of guarantor home loans which set our minds at ease. He was happy to answer any questions even outside business hours and responded in a professional and timely manner.

    As a second home buyer I would recommend going through the home loan experts as this process was a lot smoother and less stressful than having to deal with banks as an individual.

    I would especially recommend Hoa to others.

    Melissa H & Rhys B, Wynnum West QLD

  • Exceeded my expectations in terms of results

    Throughout the process I felt confident in knowing I could rely on you and at no stage did I ever feel that trust could be an issue with you.

    You have exceeded my expectations in terms of results and have done this with very short notice. You are an asset to your company and a role model to your profession…

    I already have and will continue to recommend your services to friends and family.

    Thomas M & Tanya W, Botany NSW

  • So easy to speak to no matter how stressful the situation

    We are both so grateful to Amine for all of his hard work and great advice over the past year! It’s been such a long journey…

    We are starting to settle into our new home in Trentham now. It is just so beautiful and relaxing!

    We really love it and are so happy with our purchase.

    Amine was right all along – things happen for a reason!

    Thank you Amine for always being there for us.

    Tanya & Andrew B, West Melbourne VIC

  • He even made a guarantor loan from our parents seem effortless!

    After the roller coaster ride of going cap in hand to the bank manager, only to be turned away… we found Tony. What a refreshing change!

    Within a 2 week time frame, we had approval and were able to follow the normal approval process to get the loan….

    With Tony’s inside knowledge on how lenders think he was able to approach the bank with an excellent case and really put us in a great position in the lender’s eyes….

    We recommend Tony and Home Loan Experts strongly and will be using them for our next purchase…

    Julie W & Luisa C, Waikiki WA

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