Yes! If you are self-employed, with irregular income,
We can help you get approved for the right home loan.

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.
• One of our lenders accepts your six month’s payslips and a letter from your accountant if you cannot provide tax returns and financials.