How to Get a Home Loan When You’re Self-Employed — Without the Headaches
Forget the rejections, paperwork chaos, and confusing bank jargon
Get the exact checklist successful business owners use to secure a home loan in 2025 — fast
What You’ll Get Inside
Self-Employed Loan Approval Checklist-
Know exactly what lenders want to see so you can prepare with confidence
10-Min Explainer Video :
Learn how to structure your income and documents — even if your tax returns are messy or complex
Bonus: Samantha’s Story :
A real-life case study showing how we helped a self-employed business owner go from “declined” to approved — in just 7 days
Ready To Learn !!
Why It Matters
Banks often don’t understand your business — we do
You’re not just a number. You’re A builder, creator, risk- taker
And you deserve a broker who actually knows how to make thE numbers work in your favour — not against you
Who This Is For
Business owners
Freelancers
Tradies & subcontractors
eCommerce operators
Anyone whose income isn’t “standard PAYG”
The Problem Most Face
Tax returns that don’t reflect real income
Confusion over what paperwork is needed
Rejection from banks that don’t get your business
Fear of paying a higher rate because you’re “low doc”
BUT DON'T LISTEN TO ME...
Just look at the results.
Ankita was a pleasure to work with. She was prompt in her communication, and is clearly exceptional at achieving desirable mortgage outcomes. She is willing to do the utmost to achieve banking (mortgage) objectives for her customers. She is a broker you can rely on to get it done.
Matt King
Economist (HIA)
Ankita was great at guiding me through the loan providers; explaining the differences of various features, and PROs and CONs of each option. Buying a property is one of the biggest decisions in anyone's life and thanks to Ankita and Real Mortgage I got my pre-approval in no time and had the chance to focus on my property search rather than the nitty gritty details of mortgages and differences between lenders. Feeling the peace of mind that I have the best possible rates tailored to my needs is priceless.
Salih Dursuntaş
IT Professional
I really appreciate all the hard work Ankita put into securing such a great interest rate for my mortgage. Your expertise and dedication have truly made a difference in helping me get the best deal possible. I’m grateful for your guidance and the time you took to explain everything so clearly. It’s rare to find someone who goes above and beyond like you do, and I’m so thankful for your support throughout this process and helping us in securing us our dream house.
Archana Palakati
HR Manager
Ankita has been a great Mortgage broker and managed to get us the best outcome compared to other MBs and banks. Definitely recommend Ankita and team to anyone looking to get a mortgage as they can hands down get you the best deal. Ankita is very professional and all follow ups are done in a timely manner. My experience with Ankita has been really rewarding and hoping to maintain continuing collaboration as part of our real estate journey in Australia.
George Jhonny
Banking Professional
We have dealt with multiple mortgage brokers in the past but never experienced such an amazing service and offerings which we got from Real Mortgage. Ankita is a phenomenal person and achieves the best outcome every-time. She is very versatile in her approach and always have something in her mind for any situation. I highly recommend for anyone struggling to get past the mark of getting the right serviceability or options for their mortgage needs whether new, consolidating, personal or business.
Viji Ki
IT Professional
Excellent experience and a pleasure working with. Not many mortgage brokers do what Ankita from Real Mortgage is able to.
She was incredibly responsive to our changing needs and market conditions. We appreciated her ability to clearly explain the process involved, considerations in selecting a lender and terms and conditions of the mortgage. We will definitely be using Real Mortgage for our home loan needs in the future.
Apurva Tripathi
IT professional
"ANKITA made the entire process smooth and stress-free. She took the time to explain Everything "
I had a fantastic experience refinancing my mortgage with Ankita. She made the entire process smooth and stress-free. She took the time to explain all my options, helped me secure a lower interest rate, and even guided me through the paperwork effortlessly. Her professionalism and prompt communication made a huge difference. Highly recommend for anyone looking to refinance their home!
Gagandeep Singh
IT Professional
Ankita (Real Mortgage) - I wanted to express my sincere gratitude for your exceptional assistance throughout my recent mortgage application. Your expertise, professionalism, and dedication to securing the best terms made the process smooth and stress-free. Your clear communication and accessibility were greatly appreciated. I will confidently recommend your services to friends and family.
Abi Nat
Sales Professional
Ankita has been great in securing a pre-approval for myself considering the complexity of the file. She worked through all the steps I had to take and worked tirelessly to get my pre approval through the door so that I could purchase my first place. Would recommend her and her team to any looking for a mortgage broker, especially if you have a complex case.
Mankeert Randhawa
Bank Employee
Ankita did a fantastic job in terms of securing our home loan. She is is very patient and considerate of your situation and can tailor your needs according to personal preferences and situations. We certainly appreciate her professionalism and timely communications through out the entire process and would strongly recommend her services. Will come back again!!
Hara Prasad Sahoo
IT Professional
I had the pleasure of working with Ankita as my mortgage agent, and I couldn't be happier with the experience. Last year, She helped me secure a loan for my investment property with the best product available in the market. This year, she helped us secure a home loan for my forever home, which was a huge relief. She is incredibly knowledgeable about the mortgage process and works closely with you to achieve your financial goals.
Aishwarya Kathal
IT Professional
Team at Real Mortgage are highly recommended. Ankita has deep knowledge of lending practices by financial institutions which helped me in getting loan approval with minimal hassle. Thank you Ankita for your help as it helped me in getting my first home .
Vijay Karamshetty
Business Owner
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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.