Self Employed Home Loans
Banks make it hard for sole traders. We know the workarounds.
Variable income shouldn't lock you out of a home loan. We know which lenders are flexible with business income, how to present your financials, and how to get sole traders and company directors approved.
We know which lenders accept add-backs, retained profits and recent income growth.
Alternative documentation pathways when full financials aren't available.
Lenders differ on how much history they need - we match you to the right one.
Brody works with self-employed clients every week and knows the pitfalls.
Quick answers
Can I get a home loan if I'm self-employed?
Yes. Self-employed income just needs the right lender - some are far more flexible with business income than others. This is one of Brody's specialties, and he knows which lenders suit different situations.
What documents do self-employed borrowers usually need?
Commonly your most recent individual and business tax returns and financials, though some lenders offer alternative-documentation options. We'll tell you exactly what's needed for the lenders that fit you.
I haven't been self-employed for long - can I still borrow?
Possibly. Some lenders accept shorter trading histories or use other evidence of income. It depends on your circumstances, and we'll find the lenders most likely to say yes.
Ready to talk to a real local broker?
Book a free 15-minute call with Brody - no obligation, no jargon, just clear advice on your options.