How to Get a Home Loan When You’re Self-Employed — Without the Headaches

Forget the rejections, paperwork chaos, and confusing bank jargon

“As a self-employed couple, we had no idea where to start. After the call, everything became clear — and the blueprint gave us exactly what we needed to move forward.”

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Ravi S.
Self-Employed Business Owner (Sydney)

What Happens on the Call

  • We’ll understand your business structure, income flow, and loan goals

  • You’ll get expert clarity on what’s possible with your current financials

  • We’ll tailor the Self-Employed Borrower Blueprint to your unique situation

  • No pressure, no sales — just smart, strategic next steps for getting approved

FAQs

The Self-Employed Borrower's Blueprint: Your Complete Guide to Home Loan Success

Can I get a home loan if my tax returns show low income?

Yes, you can. Many self-employed borrowers have tax-effective structures that reduce taxable income. We help present your true serviceability using lender-friendly strategies and documentation — even with low-doc or non-traditional income.

What documents do I need as a self-employed applicant?

We provide a checklist tailored to your situation.

✅ Last 2 years of tax returns (if available)

✅ BAS statements

✅ Business bank statements

✅ ABN/GST registration

✅ Accountant’s letter

Will I need a big deposit?

Not necessarily. Some lenders accept as little as 10% deposit — and in certain cases, we may help you qualify with less, especially if you have strong business cash flow or existing equity.

Can I refinance my existing home loan if I’m now self-employed?

Absolutely. Refinancing as a self-employed borrower is possible — whether you're looking to lower your rate, access equity, or consolidate debt. We specialise in self-employed refinancing strategies that banks often overlook.

How is your service different from a bank or traditional broker?

We understand self-employed clients deeply. Unlike banks that follow rigid rules, we customise your application to highlight your strengths. We're experts in low-doc, alt-doc, and non-conforming loans — and we speak your language.

Is your checklist really free?

Yes — 100% free. No strings attached. It’s a practical guide designed to save you time, reduce stress, and help you get loan-ready faster.