Self Employed Home Loans › Can I get a home loan if I am self employed?

Can I get a home loan if I am self employed?

Yes. Self employed borrowers can and do get home loans every day. The main difference is how you prove your income. Instead of payslips, lenders look at tax returns, business financials, or for low doc loans, alternative proof such as an accountant letter or BAS.

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

Why this matters

Many self employed people assume the banks will not lend to them, and walk away before they start. The truth is that lending to business owners is normal, it just needs the income presented the right way to the right lender. Some lenders are far more comfortable with self employed income than others, which is where lender choice makes the difference.

The key points

Self employed borrowers are not locked out of home loans.
Income is proven through tax returns, financials or low doc paths.
Lender choice matters more than for a regular salaried borrower.
A broker can match your situation to a lender that suits it.

Free, no obligation

See what you can borrow when self employed

Answer a few quick questions and we can match your situation to lenders that understand self employed income.

Check Your Options

A few quick questions, no obligation.

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

Last step. Where should we send your options?

Your information is private and we will never share it.

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Last Name

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Australian Mobile Number

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More self employed home loans questions

Back to the full Self Employed Home Loans guide

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.