Self Employed Home Loans › Will my business debt affect my home loan?

Will my business debt affect my home loan?

It can. Lenders look at business and personal commitments when assessing your capacity. Some business debt can be excluded if it is genuinely serviced by the business and documented, but unmanaged or personal style debt will usually reduce your borrowing power.

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

Why this matters

How business debt is treated varies a lot between lenders, and it is a frequent reason borrowing power comes back lower than expected. Debt that the business clearly services from its own income can sometimes be set aside with the right evidence. Getting this presented correctly can be the difference in your final approval amount.

The key points

Lenders assess business and personal commitments.
Debt serviced by the business may sometimes be excluded.
Evidence and structure determine how it is treated.
Correct presentation can protect your borrowing power.

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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.