Home Loans for Self-Employed Borrowers

Being self-employed shouldn't make getting a home loan harder than it needs to be. We work with lenders who understand variable income and business structures, and help you put together an application that reflects your actual financial position.

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What to Consider

Most lenders want to see at least two years of financial records (tax returns, notices of assessment, or BAS statements), though some accept alternative documentation.
How lenders average your income across recent years, and how this can affect your borrowing capacity if income has grown or fluctuated.
The difference between full-doc and alternative-documentation (low-doc) loans, and the trade-offs of each.
How your business structure (sole trader, company, trust) affects the paperwork a lender will ask for.

Frequently Asked Questions

Can I get a home loan with only one year of tax returns?

It's more difficult, but some lenders offer alternative-documentation options for self-employed borrowers. We can talk through what's realistic given your business history.

Does a fluctuating income hurt my borrowing power?

Lenders generally look at an average over your recent financial years, so a strong recent trend can work in your favour. We'll help present your financials in the clearest light.

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