Self-Employed Home Loans
Home loans for self-employed business owners.
If you run a business, your tax return rarely tells the whole story. We arrange home loans for the self-employed — reading the financials banks struggle with, across a panel of more than 130 lenders.
Overview
How it works.
When you work for yourself, deductions, depreciation and a structure built for tax can leave your taxable income looking smaller than the cash your business actually generates. A bank reading the return at face value sees a borrower who can't service the loan. We arrange home loans for self-employed business owners specifically — sole traders, company directors, and people who draw income through a trust. This is what a commercial-finance background is built for. Reading a set of business financials, applying the add-backs a lender will accept, and presenting the income that genuinely supports the loan is the day-to-day work here — not a special case. We take the deal to the lenders on our panel who assess self-employed income properly, including low-doc and alt-doc options for owners who can't yet show two full years of returns. To be clear about scope: we arrange home loans only for the self-employed and business owners — the borrowers banks find hardest to read. We don't write standard PAYG home loans or other consumer lending. If that's what you need, we'll point you to a residential broker we trust.
Key Details
- Borrower
- Self-employed & business owners
- Finance type
- Self-employed home loans
- Documentation
- Full-doc & low-doc
- Lender panel
- 130+ lenders
- Purpose
- Owner-occupier & investment
Use Cases
When this product fits.
01 / 03
Sole traders & contractors
Business income flows straight to your personal return, so the add-backs and the way your accountant has structured deductions decide what a lender will count. We make sure the assessable income reflects what the business really earns.
02 / 03
Company directors & trusts
A director paying themselves a modest wage from a profitable company — or drawing income through a trust — looks different on paper to what the business supports. We present director wages, retained profit and distributions the way the right lender reads them.
03 / 03
Recently self-employed — low-doc
Less than two full years of returns doesn't rule you out. Where full-doc isn't available yet, low-doc and alt-doc lenders assess on BAS, an accountant's declaration and business bank statements — at a higher rate or lower LVR.
Our Process
How we structure these deals.
Apply
Tell us about the deal in one short form. Just the shape of what you need — the documents come later.
We structure the deal
We build the structure around the deal, then take it to the lenders on our panel most likely to fund it.
Lender approval
We manage the lender back-and-forth, negotiate the terms and bring you a clear recommendation.
Settlement
Conditions, documents and settlement — handled and tracked through to funds in the account.
FAQ
Questions, answered.
Yes. Self-employed business owners can absolutely get a home loan — the difference is how your income is assessed. Most full-doc lenders want two years of tax returns and financials; if you have less history, low-doc and alt-doc options exist. The key is taking your deal to a lender that reads business income properly rather than rejecting it on the headline taxable figure.
Lenders start with your taxable income, then apply add-backs — non-cash or one-off deductions like depreciation, additional super contributions, and interest on business debt being refinanced — to reach an assessable figure that's usually higher than the return alone suggests. For company directors, the director's wage and the company's net profit are assessed together. Your accountant confirms the tax treatment; we structure how it's presented to the lender.
Often, yes — through a low-doc or alt-doc loan. Instead of two years of full financials, these use alternative evidence: lodged BAS, an accountant's declaration, and business bank statements. The trade-off is usually a lower maximum LVR and a rate premium over standard products. We'll tell you up front which lenders fit and what the cost looks like.
Yes. A sole trader's income appears directly on their personal return; a company director's needs to show director wages plus company net profit; trust income depends on the distributions actually made to you. Each is assessed differently, and some lenders handle particular structures far better than others — which is where lender selection matters most.
No. We arrange home loans only for the self-employed and business owners — clients whose income banks find hard to assess. We don't write standard PAYG home loans or other consumer lending. If that's what you need, we'll happily refer you to a residential broker we trust.
Usually because the application went to the wrong lender, or the add-backs that lift the assessable income were never applied. A major bank's automated model can reject a perfectly serviceable self-employed borrower before a human sees the file. A broker who reads business financials sends the deal to a lender whose policy fits it the first time.
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Reviewed by Samara Sweeney, Managing Director, Aurelius CapitalLast updated June 2026
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Let's structure your self-employed home loans.
One short application puts your deal in front of the lenders most likely to fund it. No obligation, no cost to find out where you stand.