Self employed loans don't have to be difficult
As an accountant and a broker, I understand how self employed income really works - what lenders accept, what they shade, and what they overlook.
Self employed home loans made clearer
If you're self employed, you already know getting a home loan isn't as straightforward as it should be. Your income doesn't come in neat payslips. Your tax returns don't always reflect the real strength of your business. Your structure might involve trusts, companies, dividends, drawings, or distributions. Most banks don't take the time to understand that. Many brokers don't either.
This is where I shine. As an accountant and a broker, I understand how self employed income really works. I know how lenders read financials, what they accept, what they shade, and what they overlook. I help you present your income in a way that makes sense to the bank and shows the true performance of your business.
Self employed clients aren't hard to place. They just need someone who knows how to read the numbers properly.
Why self employed borrowers choose Mark
Your financials are interpreted correctly
Many banks misread self employed income. They shade too much. They ignore add backs. They miss one off costs. I go through your financials line by line so we present the right income to the right lender.
A broker who understands structures
Companies, trusts, partnerships, sole traders. Each structure is assessed differently. I understand how each one works because I've spent years preparing and advising on them.
Your tax position is considered properly
Tax returns don't always show capacity. You might minimise tax legally, but still have strong cash flow. I explain this to lenders and match you with policies that recognise it.
We work around complex income
Income from multiple businesses. ABN income. Contractor income. Dividends. Distributions. Add backs. Depreciation. One off expenses. I know how to package all of it so the lender gets a clear picture.
Borrowing power assessed across lenders
Banks use different methods to calculate income. Some average two years. Some take the most recent year. Some accept accountant letters for add backs. Some accept BAS or bank statements. I compare them all to find your true capacity.
What lenders look at for self employed clients
I explain each of these in plain English and show you how they affect your borrowing power.
- Tax returns & financial statements (usually 2 years)
- BAS statements (used for Low/Alt Doc loans)
- Business bank statements
- Your structure
- Your debt position
- Add backs that should be allowed (e.g. depreciation & interest)
When the right deal comes up and you can't wait
Sometimes the perfect property appears at the right price and you don't have time to wait for your tax returns to be finalised. This is where a low/alt doc loan can help. Instead of tax returns, lenders can assess your income using BAS, bank statements, or an accountant declaration so you can move quickly and secure the property.
This doesn't lock you in long term. Once your tax returns are completed, your broker can look at refinancing you onto a full doc loan with a sharper rate and better features. You get the property now and the better rate later, with your broker guiding the whole process.
Long term support for business owners
Once your loan settles, I don't disappear. I keep checking in to make sure your rate stays competitive and that your loan still suits your business cash flow.
If your income changes, your structure changes, or your tax planning shifts, I help you adjust your lending strategy.
Buying or refinancing while self employed?
Book a chat - you'll get straight advice from someone who understands business structures, tax planning, and lender policy.
Frequently asked questions
The questions we hear most often from self employed clients.
Can I get a home loan if I'm self employed?
Yes. You just need the right lender and the right documents. I help you present your income properly so the bank understands your real capacity.
Do I need two years of tax returns?
Not always. Some lenders accept one year, and others allow alt doc options like BAS or bank statements if your returns aren't ready yet.
Can I use add backs to boost my income?
Yes. Things like depreciation, one off costs, and certain business expenses can be added back depending on the lender. I calculate this for you.
What if my income changed this year?
Banks assess changing income differently. Some average. Some take the latest year. I compare lenders to find the policy that works for you.
Can I refinance later if I use an alt doc loan now?
Yes. Once your tax returns are completed, we can move you to a full doc loan with a better rate. It's a common path for business owners who need to act fast.
STE Lending Pty Ltd Credit Representative Number 562710 of QED Credit Services Pty Ltd, Australian Credit Licence Number 387856.