Self-employed home loans, done properly.
Banks don't dislike self-employed borrowers — they dislike messy paperwork. With 40+ lenders, we match your business structure to the lender whose policy actually fits: full-doc, one-year financials, or alt-doc with BAS and bank statements. One application, prepared properly, to the right lender.
Your income is real. Your paperwork just isn't a payslip.
Tradies and sole traders. Contractors on ABNs. Company and trust structures. Rideshare, delivery and gig income. Families where one partner is PAYG and one runs the business. If a bank has already said no, remember: one lender's policy is not the market.
Two years of returns — or the several lenders who assess your latest year only when it's your strongest.
BAS, business bank statements or an accountant's declaration when returns aren't ready — a bridge, not a dead end.
Depreciation, one-offs, extra super and refinanced interest added back to income — often $30,000+ of borrowing power hiding in your returns.
File first. Lender second. Application last.
We start with your last two returns and a 20-minute conversation about how the business actually runs. We do the add-back maths, shortlist lenders whose policy fits your structure — sole trader, company or trust — and lodge once. No scatter-gun applications, no unnecessary marks on your credit file.
Planning a purchase next year? Even better. A quick word with us before your accountant finalises this year's returns can be worth far more in borrowing power than it costs in tax — it's the single most common self-employed own-goal, and it's avoidable.
Estimate your position on the borrowing power calculator, read the full self-employed guide, or check what lenders see on your credit file first.
Self-employed lending, without the run-around.
How many years of self-employment do I need for a home loan?
The standard ask is two years of tax returns, but several lenders assess off your most recent year only, and some accept around one year of ABN history for strong applicants. The right lender depends on your trading history and business structure — that match is exactly what we do.
What is an alt-doc (low-doc) home loan?
A loan where income is verified without full tax returns — typically 12 months of BAS, business bank statements, or an accountant's declaration. Rates are somewhat higher and maximum LVRs lower, but it's a legitimate bridge: many clients refinance to a full-doc loan once their next returns are lodged.
What are add-backs and why do they matter?
Expenses in your tax returns that don't reduce real cash flow — depreciation, one-off costs, voluntary super, and interest on debts being refinanced. Lenders add them back to taxable income, which can lift assessable income by tens of thousands of dollars and change a decline into an approval.
My tax returns aren't up to date — can I still get a loan?
Often yes, via alt-doc verification. But overdue ATO lodgements or undisclosed tax debt are red flags with every lender, so getting current (or having a disclosed payment plan) comes first. We'll tell you honestly which order to do things in.
Does using a broker cost me anything as a self-employed borrower?
No — we're paid by the lender at settlement, the same as for any borrower. You get the lender-policy matching, add-back work and application preparation at no cost, and we only lodge once, with the right lender, so your credit file stays clean.
Told "no" by a bank? Get a real answer.
Send us two years of returns (or whatever you have) and we'll tell you your real borrowing power — add-backs included — before anything touches your credit file. Free, 7 days, in English, Nepali or Hindi.