Self Employed Home Loans › Can I get a home loan if my business is new?

Can I get a home loan if my business is new?

It is harder but not impossible. With under a year of trading, options narrow, but some lenders will consider a new business where you have strong prior experience in the same field, a healthy deposit, and evidence of steady income.

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

Why this matters

A brand new business is the toughest self employed scenario, because lenders want a track record. The path opens up when you can show the business is really a continuation of work you already did, for example a tradesperson who went out on their own. A larger deposit and clean conduct also give a lender more comfort.

The key points

Under a year of trading narrows your options.
Prior experience in the same field helps a lot.
A larger deposit gives lenders more comfort.
Some specialist lenders consider newer businesses.

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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.