Self-Employed Home Loans

Home Loan Solutions for Business Owners

Being self-employed shouldn’t make getting a home loan harder — but it does mean lenders assess your income differently.

At Complete Home Loans, we help self-employed across Sydney navigate lender requirements with clarity and confidence. Whether you’re a sole trader, company director, contractor, or business partner, we structure loans to suit your financial situation.

How Lenders Assess Self-Employed Income

Unlike PAYG employees, self-employed borrowers need to provide additional documentation so lenders can assess income properly.

Common requirements may include:

  • Personal and business tax returns

  • Notices of assessment

  • Business financials

  • BAS statements (in some cases)

  • Accountant letters

We review your documents carefully and match you with lenders that understand self-employed income structures.

Full Doc vs Low Doc Loans

There are generally two ways lenders assess self-employed borrowers:

Full Documentation Loans

Most common option. Requires full financials and tax returns, often covering the last 1–2 years.

Low Documentation Loans

Designed for borrowers who may not have up-to-date financials available. These may require BAS statements, accountant declarations, or alternative income verification methods.

Not all lenders offer low doc options, and interest rates or LVR limits may differ. We explain the pros and cons clearly before you decide.

Key Considerations for Self-Employed Borrowers

When applying for a home loan, lenders may consider:

  • Length of time trading (often 1–2 years minimum)

  • Stability and consistency of income

  • Business structure (sole trader, company, trust)

  • Existing debts and business liabilities

  • Loan to Value Ratio (LVR) and deposit size

We help structure your application to present your income in the strongest possible position.

How We Support You

We manage the process from start to finish:

  • Assess borrowing capacity based on your business income

  • Review financial documents and lender policies

  • Compare full doc and low doc options

  • Structure the application correctly

  • Manage the approval and settlement process

You’ll have one point of contact throughout, ensuring the process remains well-managed.

Ready to Discuss Your Options?

If you’re self-employed and considering a property purchase, refinance, or investment, we can review your situation and explain your options clearly.

Contact Complete Home Loans Sydney today to explore self-employed home loan solutions tailored to your business and financial goals.

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