Home Loans for Self-Employed Borrowers
Tailored home loan strategies for sole traders, ABN holders, and company directors.
We Help Self-Employed Clients:
- Explore home loan options that account for how your business earns income.
- Build a long-term property finance strategy
- Access low doc and alt doc loan options
- Refinance to improve business liquidity
- Structure lending around cash flow and retained earnings
- Our expertise
Clear, realistic guidance for clients with layered business income and complex financials.
From North Lakes and Chermside to Carindale, Springfield, and the Bayside, we understand local property values, lender appetite, and postcode-specific lending policies.
We compare over 60 banks, credit unions, and non-bank lenders including big names like ANZ, CommBank, NAB, and Westpac, as well as specialist self-employed lenders.
We build lending strategies around your business structure and future plans, not the bank’s default template.
From tax returns to accountant declarations, we prepare the paperwork lenders actually want to see — helping support an efficient lender assessment
- Over 60 Lenders
Access to Australia’s Leading Lenders
We work with a wide network of trusted lenders from the big four banks to specialist providers giving you more choice, better negotiation power, and loan options tailored to your goals.
- Our Capabilities
Lending Options for Self-Employed Borrowers and Business Owners
Self-Employed Home Loans
Whether your income comes through a trust, company dividends, or multiple contracts, we work with lenders who understand self-employed structures. We help package your application with the right documents, from BAS to profit-and-loss statements, so you’re seen in the best light.
Business Owner Refinancing
If your loan hasn’t been reviewed in the last 12–18 months, it may be worth checking whether the rate, features and structure still suit your circumstances. We refinance business owners into more competitive rates and smarter structures freeing up cash for expansion, equipment purchases, or just improving day-to-day liquidity.
Property Investment Loans
Buying your next property while running a business takes careful planning. We build investment loan strategies that fit your cash flow, protect your borrowing capacity, and work with your long-term wealth goals.
Situations We Regularly Help With
Director With Retained Profits and a Low Salary
A company director earns a modest PAYG salary while the business retains profit.
We review company financial statements, personal tax records, ownership interests and existing commitments. With your accountant, we clarify whether profit is available to support borrowing and what the business needs to retain for operations. We compare lender policies without assuming retained profit will be accepted as personal income.
Business Trading for 12–18 Months
A borrower has recently started a business but has substantial experience in the same industry.
We review available financials, BAS, bank statements, current performance and evidence of relevant industry experience. We check whether a lender has an appropriate shorter-history or one-year financials pathway and explain any limitations. Strong current trading does not replace the lender’s eligibility and repayment-capacity assessment.
Income Across Companies, Trusts and Other Sources
A borrower receives income through salary, dividends, trust distributions or several related entities.
We review personal and business tax records, financial statements, distribution records and ownership documents. With your accountant, we clarify how income moves between entities, which commitments apply and whether income is ongoing. We explain the structure clearly and avoid counting the same income more than once.
Our process
Understanding You
We start with a proper conversation, no generic forms and no “one-size-fits-all” approach. We want to understand how your business runs, how your income flows in, and where you’re heading. Whether you’re a sole trader with seasonal income, a director drawing dividends, or an ABN holder juggling multiple contracts, we tailor our approach to your reality. We also talk about your preferences, for example, if you’d rather work with a major lender like ANZ or CommBank for familiarity, or explore specialist lenders that might offer more flexible policies for self-employed borrowers.
Assessing Your Position
PAYG applicants often just hand over a payslip but as a business owner, the story is more complex. We gather and review your tax returns, BAS statements, profit-and-loss reports, and bank statements to build a true picture of your capacity. We also factor in retained earnings, add-backs, and business expenses that could impact your borrowing potential. For Brisbane clients, we check lender appetite in your target suburbs, since valuations in areas like North Lakes or Springfield can influence approval and loan terms.
Planning and Matching
This is where the strategy comes in. We compare policies and rates from over 60 lenders including the big four banks (ANZ, Westpac, CommBank, NAB), credit unions, and specialist non-bank lenders. Some lenders may be more flexible on documentation, others may have sharper fixed rates or offset features that suit your goals. We look beyond just the rate, making sure the loan structure fits your business performance and future plans whether that’s refinancing, releasing equity, or buying your next investment property.
Ongoing Support
Testimonials
What Our Clients Say
Self-Employed Home Loans
Business income can include salaries, dividends, trust distributions or variable trading income. Each lender assesses these differently. We review your financial records, clarify the information lenders need and compare policies suited to your circumstances. Where needed, we work with your accountant to present your income accurately.
Requirements vary by lender and your circumstances. Documents may include personal and business tax returns, financial statements, BAS, business bank statements and accountant-supported information. Some lenders consider a shorter trading history or alternative documents. We provide a tailored checklist and explain what is required for your application.
Some lenders assess eligible self-employed applicants using alternative income documents, such as BAS, business bank statements or an accountant’s declaration. Eligibility, rates, fees and documentation requirements vary. We compare available options and explain the costs and trade-offs. Income and repayment capacity still need to be assessed.
Some lenders may consider eligible applicants with a shorter trading history or one year of financials. Assessment may include your industry experience, current business performance, deposit, existing commitments and supporting records. We review the relevant lender requirements and explain available pathways. Approval is not guaranteed.
Popular options include variable or fixed rate loans, interest-only periods, and loans with offset accounts. Flexible loans that allow redraws, extra repayments, or repayment holidays can be particularly valuable when income varies month to month.
Keep your financial records current and check that tax returns, BAS and bank statements accurately reflect your business income and expenses. Lenders also assess your credit history, deposit, living expenses and existing debts. With your permission, we work with your accountant to clarify the figures and identify documentation gaps before applying. Approval remains subject to lender assessment.
Government grants, deposit schemes and transfer duty concessions may be available to eligible first-home buyers, including self-employed applicants. Eligibility depends on current program rules, your circumstances and the property you intend to buy.
We help you understand which options may apply and the supporting information required. Current requirements should be checked with the relevant government authority before applying.
Specialist brokers work with multiple lenders and can match your circumstances with a lender that understands self-employed income structures. This expands your options beyond what a single bank can offer and allows for more strategic loan structuring.
Ready to move forward with your loan?
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We work with clients across Brisbane and surrounding areas from the CBD to North Lakes, Springfield, and the Bayside.
