Self-Employed Home Loans
Turning “Too Complicated” Into Approved
Being self-employed shouldn’t make getting a home loan harder but for most business owners, it does.
Banks love neat payslips and predictable income, not tax returns with write-offs, BAS statements, and fluctuating revenue. That’s where a self-employed home loan specialist makes all the difference.
If you run your own business, we’ll help you get the finance you deserve without the runaround
Self-employed home loan
What Is a Self-Employed Home Loan?
A self-employed home loan is designed for people who don’t earn a standard salary.
Instead of relying on payslips, lenders assess your income using tax returns, BAS statements, accountant letters, or even business bank statements.
These are sometimes called:
- Low-doc (low documentation) home loans
- Alt-doc loans
- ABN home loans
- Self-employed mortgages
They’re built to help sole traders, company directors, and business owners buy property, refinance, or invest even when their paperwork looks “messy”.
Common Challenges for Self-Employed Borrowers
If you’ve ever been knocked back by a bank, it’s usually because they:
- Don’t understand how business income works.
- Assess your taxable income, not your real income.
- Penalise you for deductions that actually keep your business running.
- Ignore the growth and cash flow that tell the full story.
- Your accountant has done his job too well, and now you show a lower income.
Sound familiar? You’re not alone.
We help clients every week who’ve been told “no” by their bank and turned it into a “yes” with the right structure.
How We Help Self-Employed Clients Get Approved
We look beyond the paperwork and build a lending strategy that actually reflects your situation.
Here’s how we make it happen:
- Translate your income – We show lenders the real picture using your BAS, business statements, or accountant projections.
- Find flexible lenders – Not all banks play nice with business owners. We work with lenders who specialise in self-employed finance.
- Structure smartly – Whether you’re buying, refinancing, or investing, we’ll structure your loans to maximise cash flow and tax efficiency.
- Handle the hard stuff – From documentation to explanations, we manage the process so you don’t get stuck explaining your business model to someone who doesn’t get it.
Because you’ve got better things to do than argue with a bank about your BAS.
Types of Self-Employed Home Loans
Depending on your situation, we can help you access:
- Full-doc home loans (for those with up-to-date tax returns)
- Low-doc home loans (for those who can verify income through BAS or bank statements)
- Alt-doc loans (for complex company or trust structures)
- Refinance loans (to consolidate debt or reduce repayments)
- Investment property loans (to leverage your equity into growth)
Even if you’ve had irregular income, ATO debt, or missed payments, there are lenders who understand and we know who they are.
Why Work With a Broker Who Understands Business
Most brokers stop at “numbers”. We start with how your business actually works.
We understand:
- Cash flow peaks and troughs.
- Why you reinvest in growth instead of showing big profits.
- How company and trust structures impact borrowing.
- The real difference between income and capacity.
Our job is to present your case like a story the banks can understand and approve.
Real-World Example
A client came to us after being rejected by two major banks. He’d just finished a strong year in business, but his accountant had minimised taxable income to save on tax.
The banks saw “low income”. We saw a business with growth, retained earnings, and consistent BAS.
We restructured his application using BAS data and an alt-doc lender and got his home loan approved within weeks.
That’s the power of knowing how to tell your financial story right.
Start Your Self-Employed Home Loan Journey
If you’re self-employed, you’ve already proven you can build something from the ground up. Getting finance shouldn’t be the hardest part.
Whether you’re buying, refinancing, or investing, we’ll help you borrow smarter, structure better, and use your business as leverage to grow wealth.
📞 Book a clarity call today to find out how much you can borrow — and how to make your business work for your next move.
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