What lenders check
- Trading history and business structure
- Taxable income and allowable add-backs
- Business debts and recurring commitments
- Consistency between returns, accounts and bank statements
Income assessment
Home loans for self-employed borrowers
Compare lenders that assess company, trust, sole-trader and contractor income in different ways.
How lenders may assess the application
Self-employed borrowers can qualify for mainstream home loans, but lenders differ in how they average income, add back eligible expenses and treat recent business growth. The best fit often depends on how current and complete the financial records are.
Documents to prepare
- Personal and business tax returns
- Financial statements and assessment notices
- Recent business bank statements
- ABN and entity information
Important trade-offs
- Alternative documentation still needs to demonstrate capacity to repay.
- Using one strong recent year depends on lender policy.
- Business cash flow and personal borrowing capacity are assessed together.
Start your enquiry
Compare options for home loans for self-employed borrowers
Tell us about your income, deposit, property and timing so we can help identify relevant lender policies.
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- Compared across banks and specialist lenders
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Every enquiry lands directly with our finance team.