Running your own business shouldn't hold back your property goals.
Self-employed Australians often have complex income structures that don't fit a bank's standard assessment. We have access to lenders who understand business owners and get deals done.
Already know what you need? Get pre-approved now →
Get expert advice
Free consultation. No obligation. We compare 60+ lenders.
Discuss Your Situation07 4599 4601Who this is for
We specialise in helping self-employed Australians (including sole traders, company directors, partnership owners, and contractors) navigate the lending landscape. Whether you've been self-employed for 2 years or 10, we have solutions.
- Sole traders with 2+ years of trading history
- Company directors and small business owners
- Contractors and freelancers (including PAYG contractors)
- Newly self-employed (under 2 years) with strong income evidence
- Business owners with complex income or company structures
- Self-employed borrowers who were declined elsewhere
What's included
- Access to low-doc and alt-doc loan products
- Bank statement lending (no tax returns required with some lenders)
- Full income add-back strategies (depreciation, drawings)
- Access to non-bank lenders with flexible assessment criteria
- Comparison of full-doc vs low-doc products
- Accountant liaison to maximise assessed income
How it works: step by step
Income Assessment
We review your tax returns, BAS, bank statements and business structure to determine the best way to present your income to lenders.
Lender Matching
Different lenders assess self-employed income very differently. We identify which lenders will give you the highest assessed income and best rate.
Document Preparation
We guide you through gathering exactly the right documents. Good preparation is the difference between approval and decline.
Application & Approval
We submit to the right lender the first time, managing communication throughout and addressing any lender queries quickly.
Settlement
We see your loan through to settlement and follow up to ensure everything is in order.
Eligibility at a glance
Eligibility varies by lender. Don't let these criteria put you off: we often find solutions that aren't obvious upfront.
- ABN registered for minimum 2 years (for full-doc loans)
- Recent tax returns and notices of assessment (full-doc)
- 6+ months business bank statements (for bank statement loans)
- Some lenders accept 1 year self-employed history for strong applications
- Minimum 10% deposit (20% preferred for better rates)
- Demonstrated ability to service the loan from business income
Common questions
I've only been self-employed for 1 year. Can I still get a loan?
Some lenders have products for borrowers with less than 2 years self-employment, particularly if you were previously employed in the same industry. Low-doc and specialist lenders may also have solutions. It's harder but not impossible. Let's talk.
My accountant minimises my tax. Will that affect my borrowing?
This is the self-employed dilemma: lower taxable income means lower tax, but also lower assessed borrowing capacity. We use lender-accepted income add-back strategies (adding back depreciation, certain business expenses, and distributions) to present your actual financial position fairly. Some specialist lenders also use gross income from bank statements rather than tax returns.
What is a low-doc loan?
A low-doc (low documentation) loan allows self-employed borrowers to use alternative income evidence (such as a 12-month accountant's declaration or bank statements) instead of full tax returns. Rates are typically slightly higher, but it can be the right solution when tax returns don't reflect actual income. We'll compare full-doc vs low-doc and show you the trade-offs.
Ready to get started with Self-Employed Solutions?
Book a free consultation. We'll assess your situation and show you the best options across our 60+ lender panel.