Self Employed Home Loans › How long do I need to be self employed to get a home loan?

How long do I need to be self employed to get a home loan?

Many lenders prefer two years of self employment, but it is not a hard rule everywhere. Some lenders will consider one year of figures, and a few will look at borrowers with a shorter history if the broader picture is strong.

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

Why this matters

The two year figure is a guideline, not a wall. If you have only been trading for a year, or your latest year is much stronger than the last, the right lender can still work with you. Time in business, your industry, and whether you worked in the same field before going out on your own all factor in.

The key points

Two years of self employment is the common preference.
Some lenders consider one year of figures.
A shorter history can still work with the right lender.
Prior experience in the same field can help your case.

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More self employed home loans 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.