Debt Consolidation › Can I consolidate debt if I am self-employed?

Can I consolidate debt if I am self-employed?

Yes. Self-employed borrowers can consolidate debt, with income evidenced through tax returns or, if those are not ready, alternative documentation. Specialist lenders are often used where there is also tax debt to clear.

Written by Ross McFarlane, Licensed Mortgage Broker (Credit Representative 526725). About the author

Why this matters

Self-employed consolidation works much like any other, with the income proof shaped to your situation. Where business owners also carry tax debt, specialist lenders can fold that into the consolidation too. A broker who understands self-employed income can find a lender that reads your figures well and structures the loan to clear the right debts.

The key points

Self-employed borrowers can consolidate debt.
Income is evidenced by returns or alternatives.
Specialist lenders help where tax debt is involved.
A specialist broker improves the outcome.

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More debt consolidation questions

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Last reviewed: June 2026

General information only. This page provides general information about home loans and is not financial or credit advice, a quote, or a guarantee, and your personal circumstances have not been considered. Lending policies, interest rates, fees and eligibility vary by lender and change over time. Always confirm your own situation with a licensed mortgage broker or lender before acting. Ross McFarlane (Credit Representative 526725) is an authorised Credit Representative of Australian Associated Advisers Pty Ltd t/a Keylend, Australian Credit Licence 392169.