Self-Employed Home Loans
Solutions tailored for business owners, contractors & company directors
Being self-employed shouldn’t make securing a home loan harder — but standard bank policy can make it feel that way. Income can be seasonal, taxed differently, or reinvested back into the business, and not every lender understands how to interpret financials correctly.
At My Finance Consultants, we specialise in helping self-employed borrowers present their financial position in the strongest possible way. We understand business structures, income add-backs, retained profit, and how to demonstrate stability to lenders.
Our role is to maximise your borrowing power, secure competitive loan options and handle the paperwork, so you can stay focused on running your business.
Who we help
Sole traders
Contractors
Freelancers
Business owners & partners
Company directors
Trust & Pty Ltd structures
Whether your business is newly established or well-established, we know which lenders will best support your scenario.
What lenders look for — and how we help
Self-employed home loan approvals are all about how your income is presented.
We help you:
Identify income add-backs (e.g., depreciation, one-off costs, additional super)
Clarify your real take-home financial position
Avoid being assessed on artificially low taxable income
Choose lenders who take a flexible approach
We work directly with your accountant where needed to make sure your application is positioned correctly from the start.
Required documentation
To maximise your borrowing capacity and access the best rates, lenders typically request:
Last 2 years personal tax returns & Notices of Assessment
Last 2 years company/trust tax returns & financial statements
ABN/GST registration details
Business & personal bank statements (where required)
When your financials show strength, full-doc loans offer the best pricing with no rate penalty just for being self-employed.
What if your financial documents are not up to date?
You may still have options. Some lenders allow:
BAS-based income verification
Accountant’s declarations
Latest year only income assessment
Alt-doc or specialist self-employed loans
These can assist when:
Your latest return is not yet lodged
You have recently changed business structure
You’ve been self-employed for less than 2 years
We match the lender to your current documentation stage — not the other way around.
Estimate your numbers before applying
Use our calculators to get clarity:
This helps you plan confidently before inspecting properties or making offers.
Why choose us?
We specialise in self-employed income policy across 40+ lenders
We know which banks use last year only vs. 2-year average
We identify eligible income add-backs to increase borrowing power
We handle all lender communication and application preparation
We save you time — so you can focus on your business, not paperwork
FAQs
How long do I need to be self-employed?
Typically 2 years, but lenders can consider less with evidence of industry experience or stable income.
Do business debts affect borrowing capacity?
Yes — some lenders include business loan repayments, others ignore them. We select the most favourable lender for your structure.
Do I pay higher rates for being self-employed?
Not for full-doc loans. Rates are the same as PAYG borrowers when financials meet lender requirements.
What is a low-doc loan?
A loan using alternative documentation (BAS/bank statements/accountant’s letter). Useful when financials are not finalised — but sometimes with higher rates.