Self-employed? You're not a "no".
Banks make it harder when you work for yourself — but the right lender, the right paperwork and a broker who knows the difference can turn a "computer says no" into approved.
Why it feels harder when you work for yourself.
It's rarely that you can't afford the loan. It's that the bank is reading your income the wrong way.
"We need two years of returns"
One slow year, a recent ABN, or returns you haven't lodged yet — and the major banks often stop the conversation. Many lenders are more flexible than your bank let on.
Your real income gets missed
Depreciation, one-off expenses, extra super and interest on cleared debts can often be "added back" to lift your assessable income — if whoever's reading it knows to look.
One rejection hurts the next
Applying to the wrong lender and getting knocked back can leave a mark on your credit file. We aim to get it right the first time, with the lender most likely to say yes.
A clear path, even if it's complicated.
Understand your setup
Sole trader, company, trust, contractor? We map how you're structured and how your income really flows.
Present you properly
We package your income the way lenders want to see it — add-backs, BAS, accountant letters — so nothing that counts gets left out.
Match the right lender
From the panel of 30+, we pick the lenders whose self-employed policy fits you — including one-year-return and low-doc options.
Guide you to settlement
We handle the paperwork and the back-and-forth, and explain every step in plain English so it never feels overwhelming.
Full-doc isn't the only door.
Depending on the lender and your situation, your income may be verified more than one way.
Full-doc
The standard path using your tax returns and notices of assessment. Some lenders accept just one year rather than two.
Low-doc / alt-doc
For up-to-date businesses without lodged returns — income can be supported with BAS, business bank statements or an accountant's declaration.
The right structure
How your loan is set up matters as much as the rate — we structure it to protect cashflow and keep your borrowing power for what's next.
Find out where you stand — for free.
Before you assume the bank's answer is the only answer, let's look at your numbers together. A short, obligation-free conversation will tell you what's realistically possible and which lenders fit.
- ✓ Honest read on your borrowing power
- ✓ Lenders matched to how you actually earn
- ✓ Plain-English guidance, start to finish
Tell us about your situation.
Self-employed, contractor or business owner — share a few details and we'll call you back to talk through your options.