Self Employed
Summary
-
We help self-employed Australians and business owners get approved for home loans faster.
-
Our brokers understand complex income structures and present your case clearly to lenders.
-
We compare 20+ lenders to find flexible solutions that suit your financial situation.
We Understand Business Owners
Running your own business is rewarding, but when it comes to applying for a home loan, it can be challenging. Traditional banks often don’t understand fluctuating income or how to assess your financial strength without standard payslips.
At Slade Home Loans, we specialise in helping self-employed borrowers secure home loans. Whether you’re a contractor, freelancer, sole trader, or company director, we know how to prepare your application so it’s clear, strong, and appealing to lenders.
How We Help You Get Approved
Many lenders struggle to interpret self-employed income — we don’t.
Our brokers:
Review your business and personal financials
To assess your borrowing capacity.
Prepare your application
So lenders see the full picture of your financial stability.
Connect you with lenders who understand self-employed clients and can approve loans faster.
Manage all documentation and communication
So you can focus on running your business.
We’ll guide you step-by-step, ensuring your loan structure supports both your personal and business goals.
What You’ll Need to Qualify
Most lenders require the following for a full-doc self-employed home loan:
-
Personal and business tax returns for the past two years
-
Corresponding Notices of Assessment (NOA)
-
ABN with at least two years of trading activity
If you don’t have all of these documents — don’t worry. We work with lenders who accept alternative verification such as:
-
Accountant’s letter confirming income
-
Recent BAS statements
-
Business bank statements showing consistent income
Why Self-Employed Loans Are Different
Self-employed borrowers often face:
-
Fluctuating income and inconsistent cash flow
-
Complex company structures that confuse standard assessors
-
Limited trading history for newer businesses
-
-
Lack of time to manage detailed paperwork
Our brokers know exactly how to position your application to overcome these challenges. We make your case easy for credit assessors to understand — increasing your approval chances significantly.
How Lenders Assess Self-Employed Income
Every lender has different methods for calculating your borrowing power. They may:
-
Average the last two years’ income
-
Use only the most recent financial year
-
Take 120% of the lower of two years
-
Add back non-cash expenses like depreciation
-
Review BAS statements or business banking activity
-
Accept an accountant’s verification letter
Our brokers understand these variations — and match you with lenders whose assessment methods best suit your financial profile.
Partner with Self-Employed Loan Specialists
With 20+ lenders, Slade Home Loans has helped countless business owners achieve home ownership without the usual stress.
We’ll handle your loan from start to finish — from preparing documents to securing approval — so you can focus on running your business while we do the heavy lifting.
Book a free consultation today to see how we can help you secure a self-employed home loan that fits your goals.
