Self employment shouldn't put homeownership out of reach. Sole Trader Finance connects self employed Australians with licensed mortgage brokers who specialise in self employed home loans - using business income, BAS, bank statements or an accountant letter to verify what you actually earn.
Mortgage Specialists for Sole Traders, Company Directors & Business Owners
Home Loans for Self Employed Australians
Takes 2 Minutes , No Obligation, No Credit Score Impact, Licensed Brokers Only
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Why Self Employed Australians Need a Specialist Mortgage Broker
Being self employed in Australia means more freedom - but when it comes to getting a home loan, it can mean
more hoops too. Traditional bank assessments are built around PAYG workers with predictable payslips. If your
income looks like real self employment - fluctuating month to month, structured through a company, optimised by
your accountant, or simply newer than two financial years - many banks default to "no" before they actually
understand your situation.
That's the gap we close. Our network of licensed self employed mortgage brokers know exactly which lenders take
a sensible look at business income, and which to avoid wasting your time on.
Self Employed Home Loans for Every Type of Business Owner
Home Loans for Sole Traders Australia
Whether you're a tradie, a freelancer, a consultant or running a one-person operation, our broker partners arrange
home loans for sole traders nationwide - using BAS, bank statements or an accountant declaration to verify your
income.
Home Loans for Contractors and Consultants
Variable contract income, multiple clients, irregular invoicing - specialist lenders within our network are comfortable with the realities of contracting and consulting work.
Home Loans for Company Directors
If your earnings sit inside your company structure - PAYG wages from your own business, director's drawings,
retained profits - our specialists know which lenders treat this realistically rather than penalising you for being a
director.
Mortgages for Newly Self Employed Australians
Recently launched your ABN? Some lenders accept self employed applicants with as little as 6 months of trading history. We'll match you to one of them.
Home Loans for Small Business Owners
Add-backs, depreciation, business growth - small business owners often have stronger income than their tax returns reveal. Our broker partners work with lenders who understand and assess your actual earning capacity, not
just what's on your final-line tax figure.
Self Employed Home Loan Income Verification Options
Business income
Calculated from BAS, profit & loss statements, or tax returns where available
Self employed home loan with accountant letter
A signed accountant declaration confirming your income
No payslip home loan
Using business bank statements or BAS instead of payslips
Self employed home loan without tax returns
Alternative income verification for borrowers with outdated
or limited tax returns
Self employed home loan using business income
Particularly useful for company directors and small business owners with retained earnings
Common Self Employed Home Loan Situations We Solve
"I haven't been self employed long enough for the bank" — mortgage for newly self employed with 6+ months ABN
"My tax return income looks too low for what I actually earn" — self employed home loan using business income or add-backs
"I have ATO debt or a payment plan"— self employed mortgage with ATO debt — specialist lenders available
"My accountant says I have plenty of income — the bank disagrees" — self employed home loan with accountant letter
"I'm a company director and my pay structure is unusual" — home loans for company directors with specialist lenders
"I've been declined elsewhere" — fresh assessment from specialist self employed lenders
Why Self Employed Australians Choose Sole Trader Finance
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Self employed home loan specialists: not generalists. Our partner brokers work with self employed clients every day.
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45+ lenders compared: including specialist self employed mortgage lenders many borrowers don't know exist.
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Faster approvals: specialist brokers process self employed applications faster because they know what each lender needs upfront.
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No credit score impact at enquiry: check your options without affecting your credit file.
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Australia-wide service: self employed mortgage broker support across every state and territory.
Self Employed Home Loan FAQs
Talk to a Self Employed Home Loan Specialist Today
Submit your details and we'll match you with a licensed self employed mortgage broker who understands your
business. No obligation, no credit score impact — just a clear answer on what's possible.
Takes 2 Minutes , No Obligation, No Credit Score Impact,Licensed Brokers Only