The Self Employed Home Loan Survival Guide

Self-Employed? Here's the Truth About Getting a Mortgage

Self-employed borrowers aren’t “riskier”, they’re just harder for banks to understand.

Banks love simplicity.
Business owners live in reality, income fluctuates, tax deductions exist, growth costs money.

So let’s decode the process.

What Banks Want to See

• 1–2 years tax returns

• Consistent income trend (not big swings)

• Clear separation of business & personal expenses

• BAS statements if required

• Good cash-flow management

• Strong credit behaviour

Lenders don’t need perfection, just clarity and stability.

Low Doc & Alt Doc Options

If paperwork doesn't tell the full story, we have brokers who can:

• Accept accountant letters

• Accept BAS instead of tax returns

• Consider last 6–12 months business performance

• Accept retained earnings in your company

Entrepreneurs need entrepreneurial lending options.

Avoid These Common Mistakes

Writing income down too aggressively
Applying right after changing structures
Mixing business + personal spending
Having unexplained large deposits
Not preparing bank statements before applying

We fix all this on the front end so your file is rock-solid.

Strategy Tip

Plan 6–12 months ahead.
Your loan success often comes from decisions made before you apply — not during.