Self-Employed Lending
Running your own business should not mean the finance process has to feel confusing. We help self-employed borrowers understand lender requirements and prepare for the application process.
About this service
Finance guidance built around your circumstances.
Being self-employed can make the lending process different because income may be structured differently from traditional employment. We can help you understand the information lenders may require and explore residential lending options.
Every borrowing situation is different. Your income, financial position, goals, property and the lender's assessment criteria can all affect the options available to you.
Our role is to help you understand the finance process, discuss your requirements and explore lending options that may be suitable for your circumstances.
Who this may be for
This service may be relevant to customers in situations such as:
- Business owners.
- Company directors.
- Sole traders.
- Contractors and business operators.
- Self-employed borrowers looking to purchase or refinance property.
How we can help
Depending on your circumstances, we can help you understand areas such as:
- Understanding self-employed income documentation.
- Discussing lender requirements.
- Exploring suitable lending options.
- Reviewing existing debts and commitments.
- Preparing supporting documentation.
- Supporting the application process.
Things to consider
Your circumstances matter.
When assessing a lending option, there are several factors that may need to be considered. The exact requirements depend on the lender and your individual circumstances.
Business structure.
Business and personal income.
Length of self-employment.
Business financial statements.
Existing liabilities.
Lender income verification policies.
Why work with us
A simpler way to approach your finance.
Understand what lenders may require.
Explore lending options through our lender panel.
Prepare relevant financial documentation.
Receive guidance throughout the application process.
Our process
From conversation to next steps.
The exact process can vary depending on your circumstances, lender and finance requirements. Generally, the journey can look like this.
Understand your situation
We discuss your business structure, income and property finance goals.
Review financial information
We identify the income and financial documents that may be relevant to your application.
Explore lender options
We explore lending options based on your circumstances and lender requirements.
Prepare the application
We help you understand the supporting information required for the application.
Lender assessment
The lender assesses your application and financial position against its criteria.
Progress to settlement
If approved and all conditions are satisfied, the loan can progress toward settlement.
Getting prepared
Documents you may need.
The documents required will depend on your circumstances and the lender. These are examples of information that may be requested.
Identification documents.
Personal and business tax returns where required.
Business financial statements.
Business activity information where applicable.
Bank statements.
Existing loan and liability information.
Frequently asked questions
Questions about self-employed?
Can self-employed people get home loans?+
Yes, self-employed borrowers can apply for home loans. Lenders may have different requirements for verifying self-employed income and business financial information.
How long do I need to be self-employed?+
Requirements vary between lenders and depend on factors such as your business history, income and financial position.
What documents might I need?+
Depending on the lender and your circumstances, documents may include tax returns, financial statements, business information and bank statements.
Let's talk
Ready to talk about your finance goals?
Start with a conversation about your goals and circumstances. We'll help you understand the next steps and the lending options that may be available to you.
Self-employed lending requirements vary between lenders. All applications are subject to lender criteria, assessment and approval.