Refinancing › Can I refinance if I am self employed?

Can I refinance if I am self employed?

Yes. Self employed borrowers can refinance, though lenders assess income differently, often using tax returns or, for some, alternative documentation. A clean recent financial picture helps, and the right lender choice matters more than it does for a salaried borrower.

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

Why this matters

Self employed refinancing is very doable but lender sensitive, because each lender treats business income, add backs and documentation differently. The borrower knocked back by one lender is often approved comfortably by another, which is exactly where matching to the right lender earns its keep.

The key points

Self employed borrowers can and do refinance.
Lenders assess business income differently.
Lender choice matters more than for salaried borrowers.

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What is your goal?

Buy a home or investment property First home, next home, or adding to your portfolio Build a house or develop land New build, renovation, duplex, or subdivision project Lower my current repayments Better rate, release equity, or restructure existing debt Finance an established commercial property Business premises or commercial investment asset

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How do you earn your income?

Standard salary or wage Full-time, part-time, or casual employment (PAYG) Self-employed or business owner Sole trader, company director, or contractor

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Healthy No issues that I am aware of A few small marks A couple of late payments, now caught up Not sure, or it is complicated We work with specialist lenders for these situations

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More refinancing 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.