FOR BUSINESS OWNERS & INDEPENDENT PROFESSIONALS
Self-employed home loans in Sydney.
Your business is individual.
Your home loan should reflect it.
Clear lending guidance for sole traders, company directors and business owners across Sydney’s Inner City, Inner West and Eastern Suburbs.
Buying · Refinancing · Investing
A clearer picture of your borrowing options.
Self-employed income rarely fits a simple payslip. We help you understand how your business, income and commitments fit together before you apply.
Your income
Look beyond a single figure to understand the whole picture.
Your business
Make sense of your structure, trading history and commitments.
Your next move
Plan your purchase or refinance with a clearer direction.
What will lenders want to understand?
A well-prepared application starts with the right questions.
Talk through your circumstancesHow is your income documented?
Requirements vary by lender and loan type. We help you identify the information needed to explain your circumstances clearly and bring your business story together.
How long have you been trading?
We discuss your trading history, changes in your business and the information available, then explore how these fit with potential lending options.
What are your existing commitments?
We look at your personal and business commitments alongside your income and goals, so your application presents a clearer picture of your financial position.
Which lending pathway fits?
Your circumstances guide the next step. We help you compare suitable options, understand the information required and prepare your application.
Lender criteria and individual assessment apply.
From business story to home loan strategy.
Understand
Get to know your goals, financial position and business context.
Compare
Explore suitable lending options from a range of lenders.
Prepare
Bring the right information together to present a clear, well-prepared application.
Guide
Support you through the process, from application to settlement.
SYDNEY & SURROUNDS
Local context.
Individual
attention.
Home loan guidance for self-employed buyers and owners across Sydney’s Inner City, Inner West and Eastern Suburbs.
Your questions, answered.
Can I get a home loan if I’m self-employed?
Your options depend on your income, financial position and lender requirements. Start with a conversation about your circumstances.
What documents should I prepare?
The documents needed depend on your circumstances and the lender. We’ll help you identify the information required to explain your income, business and existing commitments clearly.
Can you help me refinance?
Yes. We can review your existing home loan, discuss what you want to change and explore suitable options for your circumstances. Any new loan remains subject to lender assessment and approval.
A business of your own.
A home loan with a clear plan.
Let’s talk about your next move.
Self-Employed
It’s not harder. It’s just assessed differently.
Most self-employed applications fail at presentation, not income.
Lenders aren’t just asking “how much you earn?”
They’re asking:
Is this income stable?
Is it repeatable?
Can it service debt consistently?
What lenders actually look at:
Trends across financial years, not just the latest result
Potential add-backs like depreciation, one-off expenses or write-offs
Separation between trading income and one-off inflows
Business liquidity and obligations
Where it goes wrong
Financials don’t tell the full story
Income is presented in a way lenders won’t accept
Wrong lender chosen for the scenario
Our approach
We assess your position like a credit team would, anticipating any concerns. We achieve this by understanding your business first.
That means:
Interpreting your financials through a lender lens
Aligning your application to the right lender policy
Explaining your business clearly and commercially