Self employed home loan
You're building a business, running your own show, and enjoying the freedom that comes with being self-employed. But when it comes to getting a self-employed home loan, the process suddenly feels complicated. Banks want two years of tax returns. Lenders scrutinize your income differently. The paperwork feels endless. At Buyvest, we get it - being self-employed shouldn't hold you back from homeownership. We've helped thousands of Australian entrepreneurs, sole traders, and business owners secure self-employed home loans and land their best deals.
Whether you're a freelancer, contractor, business owner, or self-employed professional, our specialist mortgage brokers understand how self-employed borrowers work. We know how lenders evaluate self-employed income, which expenses to highlight, and how to present your self-employed home loan application in the best light. This guide explains everything you need to know about self-employed home loans, borrowing capacity, tax return requirements, and how our expert brokers can help you navigate the self-employed mortgage process with confidence.
Ready to get your self-employed home loan with Buyvest?
Get your free self-employed home loan assessment from Buyvest mortgage brokers and find out how much you can borrow as a self-employed borrower.
Free Self-Employed Home Loan AssessmentWhy use Buyvest mortgage broker for your self-employed home loan?
Access to 35+ lenders
We work with banks, credit unions, and non-bank lenders. Different lenders evaluate self-employed income differently - we match you with lenders who see your self-employed home loan application favorably.
No cost to you
Lenders pay our commission directly. You pay the same rate whether you go to the bank directly or through us - but with expert self-employed home loan guidance included.
Self-employed expertise
Our brokers specialize in self-employed home loans and understand how different lenders evaluate self-employed borrowers. We've helped hundreds of self-employed applicants secure home loans.
Optimize your application
We know which financial information to present for your self-employed home loan to maximize your borrowing capacity. We help you show your best self-employed financial profile.
Time & stress savings
We navigate complex self-employed home loan requirements, gather your documents, and liaise with lenders. No more bank hopping or repeated self-employed home loan applications.
Ongoing support
We stay involved throughout your self-employed home loan process. From pre-approval to settlement, we're here to support you and answer your self-employed mortgage questions.
Why choose Buyvest mortgage broker for your self-employed home loan?
Borrow up to 95%
Self-employed borrowers can borrow up to 95% of property value with strong income verification and two years of tax returns. Maximize your self-employed home loan borrowing capacity.
Flexible self-employed pathways
Whether you're recently self-employed or established, we have self-employed home loan options. Low-doc self-employed home loans available for those with less than 2 years trading history.
Tax return expertise
We understand how different lenders interpret your self-employed tax returns and financial statements. We know which expenses to highlight in your self-employed home loan application.
Competitive home loan rates
We negotiate competitive rates for self-employed borrowers by comparing self-employed home loan options across multiple lenders. Often save clients thousands in interest.
Industry experience
Our brokers understand different industries - construction, accounting, law, freelance work. We know which lenders are more receptive to self-employed borrowers in your industry.
Complete guidance
From initial self-employed home loan assessment through to settlement, our brokers guide you through every step. We make the self-employed mortgage process smooth and transparent.
4 ways self-employed borrowers can qualify for a home loan
As a self-employed borrower, you have multiple pathways to qualify for a home loan. Different lenders assess self-employed income in different ways, which means there's usually a self-employed home loan option that works for your situation. Here are the four main ways self-employed borrowers can access home loans:
1-Year Financial
Self-employed borrowers with just 1 year of financial records can qualify for a self-employed home loan. With 1-year financial documentation, most lenders adopt 80-90% of your self-employed income for borrowing calculation. This is ideal if you've recently started your self-employed business.
2-Year Financial
Self-employed borrowers with 2 years of tax returns and financial statements get the best treatment. Lenders adopt 100% of your self-employed income, meaning higher self-employed home loan borrowing capacity. This is the most favorable self-employed home loan pathway for established self-employed borrowers.
Specialised Industry (1-Year)
Self-employed borrowers in specialist industries (accountants, lawyers, doctors) can qualify with just 1 year of self-employed financial records. Lenders adopt 100% of your self-employed income due to industry stability. Get the best self-employed home loan treatment with lower perceived risk.
Payslip Method (6+ Months)
If you've been drawing consistent self-employed income via payslip for 6+ months, you may qualify using payslip as your self-employed income proof. Requires accountant letter confirming you've traded profitably for 2 years. This method excludes business debts, potentially boosting your self-employed borrowing capacity significantly.
Self-employed home loan requirements - Minimum trading history
Most lenders require self-employed borrowers to have been trading for at least 2 years. However, don't worry if you're newer to self-employment - we have self-employed home loan options for you too. Here's what different self-employed home loan lenders typically require:
Self-Employed 2+ Years
- Best self-employed home loan options
- Most lenders will consider your application
- Full 2 years of self-employed tax returns required
- Highest self-employed borrowing capacity
- Competitive self-employed home loan rates
- Access to all self-employed mortgage products
Self-Employed 1-2 Years
- Specialized self-employed home loan options available
- Some lenders accept 1+ years self-employed experience
- May require additional self-employed income documentation
- Slightly lower self-employed borrowing capacity
- Higher self-employed home loan rates possible
- Don't hesitate to contact us for assessment
How much can I borrow as a self-employed borrower?
Your self-employed home loan borrowing capacity depends on several factors including your income, employment history, and the property value. Most lenders have different lending criteria for self-employed borrowers. Here's what you can typically expect with a self-employed home loan:
Strong Income Verification
- Borrow up to 95% of property value
- Requires 2 years of tax returns
- Full financial statements required
- Best self-employed home loan rates
- Self-employed borrowers with stable income
- Highest self-employed borrowing capacity
Low-Doc Self-Employed Home Loans
- Borrow 80-90% of property value
- Fewer documentation requirements
- Less than 2 years self-employed acceptable
- Still require some self-employed income proof
- Higher interest rates for self-employed borrowers
- Suitable for recently self-employed borrowers
Use our self-employed home loan calculators
Understand your self-employed borrowing capacity and plan your self-employed home loan
How to apply for a self-employed home loan with Buyvest
The self-employed home loan process is straightforward when you work with Buyvest mortgage brokers. Here's how to get approved for your self-employed home loan and secure property ownership.
Discuss your self-employed home loan goals and financial situation with Buyvest. We assess your self-employed borrowing capacity and help you prepare self-employed documents. Our brokers provide expert guidance on self-employed home loan options available.
We review your self-employed financial documents and compare self-employed home loan options across multiple lenders. Buyvest explains your self-employed home loan choices so you make the right decision. We submit your self-employed home loan application to the best lenders for your situation.
Once approved for your self-employed home loan, we coordinate with your lender, accountant, and legal advisors. We ensure smooth self-employed home loan settlement. Get your self-employed home loan approved and move forward with confidence.
Documents needed for a self-employed home loan application
Have these ready to streamline your self-employed home loan approval process. Most documents are items you already have as a self-employed borrower.
Personal identification
Australian passport or driver's license (with photo, full name, DOB, current address). We keep all your self-employed documentation secure and confidential.
Tax returns
Two years of self-employed tax returns for your self-employed home loan application. Latest signed and certified by the ATO. Key document for self-employed borrowers.
Financial statements
Business activity statements (BAS) or self-employed financial statements for self-employed home loans. Latest 3-6 months showing your current self-employed income situation.
Bank statements
Personal and business bank statements (3-6 months). Shows your self-employed income deposits and self-employed financial position. Critical for self-employed home loan assessment.
Accountant letter
Official letter from your accountant confirming your self-employed trading history and income. Strengthens your self-employed home loan application.
Rates & insurance
Council rates notice and building insurance documents to verify your property ownership and insurance coverage for self-employed home loan purposes.
Buyvest self-employed home loan brokers serving Sydney & Australia
Buyvest mortgage brokers help self-employed borrowers across Sydney and Australia secure self-employed home loans. Whether you're a sole trader, contractor, freelancer, or business owner, our self-employed home loan brokers are here to help you access the best self-employed mortgage rates and terms available.
Ryde area suburbs
Greater Sydney regions
Regional NSW
Australia wide
Buyvest self-employed home loan brokers also assist self-employed borrowers across Australia. Contact Buyvest to discuss your self-employed home loan and how our brokers can help you access self-employed mortgage finance.
Ready to get your self-employed home loan with Buyvest?
Our expert team of self-employed home loan brokers is ready to guide you through every step of the self-employed mortgage process.
Free Self-Employed Home Loan Assessment