Renovation Refinance › Can I refinance to renovate if I am self-employed?

Can I refinance to renovate if I am self-employed?

Yes. Self-employed borrowers can refinance or top up to fund renovations, with income evidenced through tax returns or alternative documentation if returns are not finalised. The equity and serviceability tests still apply.

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

Why this matters

Being self-employed does not stop you funding a renovation from your equity, it just shapes how income is verified. With full financials you are assessed normally. If your returns are behind, low doc pathways may help. A broker who knows self-employed lending can match you to a lender that views your income favourably for the larger loan.

The key points

Self-employed borrowers can refinance to renovate.
Income is evidenced by returns or alternatives.
Equity and serviceability tests still apply.
A specialist broker helps with income presentation.

Free, no obligation

Plan your renovation finance properly

Answer a few quick questions and we can structure the right option for your project across a panel of more than 70 lenders.

Check Your Options

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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

Tell us a bit more about the plan

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

How is your credit score?

This helps us match you to the right lender from the start.

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 renovation refinance 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.