Self-Employed
and Want a Home Loan?

Self-employed home loans can feel harder than they should be.
With the right lender and strategy, they're absolutely possible.

Kardinia Finance

You may be closer than you think. Many self-employed borrowers qualify sooner than expected, it often comes down to choosing the right lender for your structure.

How Lenders Look at
Self-Employed Income

  • Income can include business profit, director wages, dividends and some add-backs
  • Different lenders assess business income differently, the lender you choose can change the outcome
  • Some lenders are far more flexible with non-standard structures like trusts and companies

The Simple Process

1

Quick borrowing check based on your income and structure

2

Review your financials and identify any gaps

3

Match your structure with the most suitable lenders

4

Apply with a clear, lender-ready strategy

Documents That May Be Needed

  • Recent personal and business tax returns
  • Business financials (profit & loss, balance sheet)
  • BAS statements or business bank statements
  • ID and details of any existing loans

You may not need all of these, it depends on your structure and the lender. Some lenders have streamlined requirements for strong applicants.

You May Be Ready
to Apply If…

  • Your business has traded for 1–2 years
  • You've lodged your most recent tax returns
  • You have savings, equity, or a deposit ready
  • Your income shows a consistent pattern

Even if you're not quite there yet, knowing what to work toward makes all the difference.

⚖️

Why use a broker instead of going straight to your bank?

As a broker, I compare lenders across the market so you don't have to. Not every lender suits every structure, I find the ones that work best for your situation, which can mean a better rate, higher borrowing power, or simply an approval where a bank said no.

Find out in 15 minutes whether you're ready to apply.

Not sure if your income stacks up? Book a free clarity call, no jargon, no pressure, just a clear picture of where you stand.

How lenders are likely to view your income Whether you're ready to apply now or what to work toward Your clearest next steps forward
Kathryn Asmussen
Finance Broker
kardiniafinance.com.au @kardiniafinance Book a Free Call