Self-Employed Loan
Home loans for business owners and contractors. Tougher income verification.
What is Self-Employed Loan?
A self-employed loan is a home loan for business owners, sole traders, company directors or contractors. Income is assessed from personal and business tax returns, BAS, profit & loss statements, or — for low-doc applicants — accountant declarations.
Why it matters for you
Many lenders require 2 years of financials; some accept 1 year for established professionals. Practice owners, consultants and contractors often have income structures that don't fit standard templates — matching you to the right lender's policy is critical. Add-backs (depreciation, interest on deductible debt, one-off expenses) can lift assessed income significantly.