Your business success shouldn’t limit your home-ownership goals

Getting a home loan when you’re self-employed can feel challenging. Irregular income, complex business structures, and strict lender requirements often make the process harder than it needs to be.

At Finhomes, we specialise in helping self-employed Australians secure home loans. We understand how lenders assess business income and work with over 50 banks and specialist lenders that are experienced in lending to business owners, contractors, and professionals.

Our role is to simplify the process, present your income correctly, and match you with lenders who understand how you earn.

Who Are Self-Employed Home Loans For?

Self-employed home loans are designed for borrowers who don’t receive standard PAYG payslips, including:

• Sole traders with an ABN

• Company directors and shareholders

• Contractors and freelancers

• Business owners with variable or seasonal income

• Borrowers with complex income structures

Instead of relying only on payslips, lenders assess your business financials, tax returns, and cash flow to understand your true borrowing capacity.

How Finhomes Helps Self-Employed Borrowers

• Specialist knowledge of self-employed lending policies

• Access to lenders that understand business income

• Clear guidance on documents required

• Assistance structuring income for lender assessment

• Fast-track and alternative assessment options (where available)

• Support from pre-approval to settlement

Eligibility & Documentation

Standard Requirements (varies by lender)

Most lenders prefer borrowers to have at least two years of self-employed income, supported by:

• Valid ABN

• Two years of personal tax returns and Notices of Assessment

• Business Activity Statements (BAS)

• Accountant-prepared financial statements

• Business and personal bank statements

Alternative Options

Some lenders offer more flexible assessment options, which may include:

• Accountant’s letter confirming income

• BAS statements

• Business and personal bank statements

• Asset and liability statements

We’ll review your situation and guide you on the most suitable lenders and documentation options.

Business Structures We Assist

Finhomes works with a wide range of business structures, including:

• Sole traders – ABN holders with personal tax returns

• Companies – Directors using company financials

• Trusts – Beneficiaries receiving trust distributions

• Partnerships – Partners assessed individually

Loan Options for Self-Employed Borrowers

• Variable Rate Loans – flexibility, offset accounts, redraw options

• Fixed Rate Loans – repayment certainty for budgeting

• Split Loans – balance flexibility and certainty

• Low-Doc Options – reduced documentation (subject to lender criteria)

• Interest-Only Loans – potential cash-flow support for eligible borrowers

We’ll explain the pros and cons of each option and recommend a structure that aligns with your goals.

Why Choose Finhomes

If you’re self-employed and unsure where you stand, contact Finhomes today to discuss your options and take the next step toward home ownership with confidence.

• Experience with self-employed and complex income lending
• Access to a broad panel of Australian lenders
• Clear explanations in plain English
• Digital, streamlined application process
• Personalised support from start to settlement