Self-Employed Home Loans Made Simple
Home loans for self-employed Australians — approved without the stress.
Business owners, contractors, freelancers and ABN holders: we help you secure competitive rates even when the banks say it’s “too hard”.
We work with 30+ lenders — so you don’t have to fit into a standard payslip box.
How Much Could You Borrow?
Use our borrowing power calculator below to get an instant estimate based on your income and expenses. It takes less than 60 seconds and gives you a clear starting point.
About Me
children (under 18)
adults (18 and over)
My Income
(Annual income before tax)
(Annual income from rental property)
(e.g. regular bonus, overtime, pension)
Expenses
(e.g. food, electricity, transport, education, entertainment)
(If don't plan to live in the purchased property and will continue to rent)
(Total current loan repayments)
(Combined credit card limit)
You may be able to borrow up to
Comparison rate is the key*
Loan to Value ratio (LVR) is the total amount you have borrowed for your loan as a percentage of your property value. Minimum borrowing amount is $10,000 to be eligible for a home loan. Wealth Package rates require a minimum initial package lending balance of $150,000.
Why apply for conditional pre-approval?
Conditional pre-approval helps you search for a property with confidence. Speak with one of our lenders or start your application online for free for 100 days.
What you'll receive
- A tailored interest rate when you speak with us
- Knowledge of how much you're pre-approved to borrow
- Ongoing support from our lending experts
- An estimate of how much deposit you'll need to borrow, based on the property value
What Is a Self-Employed Mortgage?
Getting a home loan when you’re self-employed doesn’t have to be complicated — but it is different.
Traditional banks assess borrowers based on simple payslips and salary income. If you run a business, freelance, contract, or earn through an ABN, your income can look inconsistent on paper. This often leads to unnecessary declines or reduced borrowing power.
A self-employed mortgage uses lenders and policies designed specifically for business owners. These lenders understand company structures, trust income, retained profits, add-backs, and fluctuating cash flow. With the right strategy and documentation, many self-employed borrowers qualify just as easily — and sometimes even better — than PAYG employees.
That’s where we come in. We know which lenders are flexible, what documents they need, and how to present your income properly to maximise your approval chances.
Why work with our specialist broker?
Access lenders that accept alternative income documents
Low-doc & full-doc options available
Borrow using 1 year or 2 years of financials (lender dependant)
Competitive rates — not “self-employed penalties”
We handle the paperwork and negotiations
Loan Options for Self-Employed Borrowers
We tailor your application based on your situation. Options may include:
Full-Doc Loans
Ideal if you have tax returns and financials ready.
Usually offers the sharpest rates and highest borrowing power.
Low-Doc Loans
Perfect if your tax returns aren’t up to date or income is hard to verify traditionally.
Use bank statements, BAS, or accountant declarations instead.
Alt-Doc or Specialist Lenders
Great for complex structures, trusts, or unique income streams.
We’ll recommend the best path after a quick chat.
Self-Employed Home Loan FAQs
What is different about a self-employed home loan?
Refinancing lets you change your home loan to suit your new circumstances. Gracelands Drive recommends an annual Home Loan Health Check by your local Gracelands Drive expert to assess whether the original home loan you chose is still the most suitable option for you.
How long do I need to be self-employed?
Most lenders prefer 2 years, but some accept 1 year — and a few may consider less with strong evidence.
What documents will I need?
Typically tax returns, financials, BAS, or bank statements. We’ll tell you exactly what’s required.
Are rates higher for self-employed borrowers?
Not necessarily. Many full-doc loans offer the same rates as PAYG loans.
Can I refinance if I’m self-employed?
Yes. Many business owners refinance to lower rates or access equity.
Does applying hurt my credit score?
We assess eligibility first to minimise unnecessary checks.
Who We Help?
You might qualify if you’re:
A sole trader or freelancer
A contractor or consultant
Running a company or trust
An ABN holder
A small business owner
Paid through dividends
Recently self-employed (1–2 years)
