Self-employed
Your income is real. Let's make lenders see it.
Business owners and contractors often earn well but look complicated on paper. Some lenders understand that far better than others. We know which ones, and how to present your application.
How can self-employed people get a home loan?
Choosing the right lender
Lenders treat add-backs, company profits and recent ABNs very differently.
Alternative-document loans
Options using BAS, bank statements or an accountant's letter when tax returns aren't up to date.
Working with your accountant
We speak their language and ask for exactly what the lender needs, once.
Business and home, together
When you need business finance as well as a home loan, we look at the whole picture.
Free tools
Start with the numbers
Answers straight away, with the assumptions shown. No sign-up, no phone number.
Self-employed document checklist
What lenders ask business owners for, including the low-doc alternatives.
Questions we hear a lot
Do you just recommend the lender that pays you most?
No. Australian law requires mortgage brokers to act in your best interests and to put your interests first when there's a conflict. We have to be able to show why the loan we recommend suits you, and we'll explain it in plain English.
Will talking to you affect my credit score?
No. Talking to us, using our calculators and getting a plan together doesn't put an enquiry on your credit file. An enquiry is only recorded when you authorise an application to a lender, and we'll tell you before that happens.
What does it cost to use a mortgage broker?
Most mortgage brokers in Australia are paid a commission by the lender when your loan settles, rather than charging you. Our Credit Guide sets out exactly how we're paid and any fee that could apply, and if a fee ever applies to you we'll tell you in writing before we start.
Let's find a loan that makes you smile.
A 20-minute chat, with no obligation. Tell us how you'd like to be contacted and we'll take it from there.