Self-employed home loan options explained properly

Self-employed borrowing can be frustrating when your income is strong but the paperwork is different. John helps match your evidence to lenders that understand business income.

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Direct help from John · General information first · Rated 5.0 on Google

Author: John Carson-Zangor Credit representative: 537545 · ACL 387856 Last reviewed: 16 July 2026 Methodology: Human review of lender criteria and official sources Reviews: 5.0-star Google client reviews

Income evidence check

Make the business income story easier to assess

Self-employed lending can fall apart when the income evidence is unclear. John checks the documents, income trend, business structure and policy lane before an application is prepared.

EvidenceTax, BAS, statements or accountant notesTrendIncome movement and business historyPolicyWhich evidence path may fit

Company, trust, sole trader and contractor income review
Tax return and financial statement requirements
Alt-doc and low-doc pathways where suitable
Cashflow explanation and lender positioning
Pre-application policy check

General information only. Self-employed borrowing depends on verified income, documents, credit conduct, security and lender criteria.

Check my self-employed options

Rated 5.0 on Google · You deal with John directly

Tell John what you are trying to do. He will review the basics and get in touch to talk through your options.

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Email address (required) What would you like to do? (required)

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Property price or loan amount Deposit or equity

Employment type Timeframe

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Privacy: John uses these details to respond to your enquiry. Please do not enter passwords, tax file numbers, account or card numbers, dates of birth or identity-document details. Detailed documents can be handled later through the appropriate secure process.

John aims to respond by the end of the next business day. Credit assistance is subject to assessment, lender policy and responsible lending requirements.

Self-employed policy checks

The right lender depends on how the business income can be verified and explained.

Full-doc, alt-doc and one-year evidence

Some lenders want two years of tax returns. Others may consider one year, BAS, accountant verification or business bank statements where the overall application fits. The evidence path matters before the lender is chosen.

Income trend needs a clean explanation

If business profit has jumped, dropped or changed because of one-off events, John checks how a lender may read the trend and what explanation or supporting documents may be needed.

ATO debt is not something to hide

Outstanding ATO debt, payment plans and tax returns can affect lender choice. Some lenders may consider payout or consolidation, but it needs to be disclosed and structured properly.

General information only. Lender policy changes often, and personal credit assistance depends on your objectives, financial situation and full assessment.

Self-employed questions

How long do I need to be self-employed?

Many lenders prefer two years, but options can vary depending on structure, industry and evidence.

Can I get a loan with one year of tax returns?

Sometimes. It depends on lender policy and the strength of the overall application.

Do lenders use gross or net income?

There is no single number used in every case. A lender may start with taxable income, then consider permitted adjustments, business structure, trends, liabilities and the evidence method.

Can BAS or business bank statements be used instead of tax returns?

Some specialist pathways may consider them where the overall file fits. The pricing, deposit, evidence and policy trade-offs need to be compared with full-doc options.

What business add-backs may be considered?

Only lender-accepted adjustments supported by the financials can be used. Depreciation, interest or one-off expenses are not automatically added back in every calculation.

Are wages from my own company enough?

Not always. A lender may also review company ownership, financial performance, liabilities and whether the wage is sustainable.

What if the latest financial year is lower?

A declining result usually needs explanation and may lead to a more conservative assessment. The cause, current trading and lender policy should be reviewed before lodging.