Lending for Business Owners
Self-Employed Home Loans — Real Approval, Not a Runaround
Banks say no to self-employed borrowers every day. We know which lenders say yes — and exactly how to present your income to get the outcome you deserve.
Banks say no to self-employed borrowers every day. We know which lenders say yes — and exactly how to present your income to get the outcome you deserve.
Self-employed borrowers are not a single category. Your income structure, business age, and documentation all determine which loan options work for you. We assess your situation and match you to the right lender — not the other way around.
Two years of tax returns and NOAs showing stable, adequate income. Full-doc gives access to the widest lender panel and lowest rates. We present your financials to lenders who assess self-employed income most favourably.
Can't show two years of tax returns? Alt-doc loans use an accountant's declaration, BAS statements, or bank statement evidence of income. Rates are slightly higher but the access is genuinely useful.
Some non-bank lenders will assess your last 12-24 months of business bank statements to derive an income figure. Useful for businesses with strong cash flow but complex tax positions.
Income flowing through a company, discretionary trust, or unit trust requires careful structuring. We know how each major lender treats trust distributions and company profits.
Been in business less than two years? Options exist — particularly through non-bank lenders — when you have prior employment history in the same industry.
Income that's growing but shows retained earnings in the business rather than personal drawings. We find the lenders who look through the structure to the underlying cash flow.
The most common reason self-employed borrowers get declined isn't income — it's how that income is presented. A business owner earning $250,000 may show $80,000 on their personal tax return after business expenses and trust distributions. Most lenders will only use the declared personal income. A handful will look at the full picture.
We know which lenders add back genuine business expenses, which will accept an accountant's declaration of income, and which assess company and trust structures fairly. Getting in front of the right lender on day one avoids the credit footprint damage that comes from multiple declines.
We work closely with your accountant throughout the process — coordinating documentation, clarifying income assessments, and ensuring the loan is structured appropriately for your business entity.