Home Loans for Self Employed in Australia
Realloans helps self-employed borrowers explore home loans for a residential purchase or refinance.
We review your business circumstances and available income evidence before comparing relevant lender options.
Your purpose may be a first home, another home or a residential investment. Being self-employed does not automatically mean you need a low doc loan.
Expert broker at your service
Talk to an expert broker
We discuss your business structure, income evidence and residential borrowing needs.
Comparing lender options
Realloans can compare relevant options from its lender panel. Availability and suitability depend on the application.
Application support
We can help prepare and submit your application. The lender assesses your circumstances and determines approval.
Settlement support
If approved, we can help coordinate the remaining finance requirements and keep you informed through settlement.
Self Employed Home Loan Requirements
Standard-documentation applications may use the evidence below. The lender determines the required documents and periods for your business structure and circumstances.
- Personal tax returns and notices of assessment, where relevant.
- Business tax returns and financial statements appropriate to the business structure.
- Information about trading history and changes in the business.
Self-employed Low Doc Home Loans
If standard financial evidence is unavailable or does not reflect your current position, alternative-documentation options may be worth discussing. Low doc is not an automatic solution and still requires lender assessment.
Comparing home loan terms
Rates, repayment structures and features depend on the lender and loan. Compare the current terms, costs and conditions of the particular options being considered.
How is self-employed income assessed for a home loan?
Your business structure
Explain whether you trade as a sole trader, through a company or partnership, or through another structure. This helps identify which business and personal financial information is relevant.
The standard evidence you have
Gather available tax returns, notices of assessment and business financial statements. Tell the broker which documents are current or missing. The lender specifies what it needs; this page does not set a universal trading-history period.
Changes since the financials were prepared
Explain changes in income, trading activity or business circumstances. Historical financials may need further context, and lenders decide how to assess that information. Do not assume an old figure will be accepted unchanged.
Your personal commitments
Prepare information about existing debts, living expenses and other commitments alongside business income. The proposed loan and property still need assessment.
Standard evidence or alternative evidence
Standard financial evidence may support the application without a low doc product. If alternative evidence needs consideration, read Low Doc Home Loans and discuss what is available with the broker.
Your residential purpose and property
For purpose-specific guidance, see First Home Buyer Loans, Refinance Home Loans or Investment Home Loans. A proposed build, land-only purchase or improved acreage property needs its own security discussion, alongside the income assessment.
For location-specific service information, see Self Employed Home Loans Melbourne or Self Employed Home Loans Victoria.