Self Employed Home Loans › Can sole traders get a home loan?

Can sole traders get a home loan?

Yes. Sole traders are assessed much like other self employed borrowers, usually on personal tax returns and notices of assessment, since the business income flows through to you personally. Low doc options are also available where returns do not yet tell the full story.

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

Why this matters

As a sole trader your business and personal finances are closely linked, which actually keeps the assessment relatively straightforward, your personal tax returns carry the income picture. The same principles apply: strong, sustainable figures open the most lenders, and low doc fills the gap when your returns understate your real earnings.

The key points

Sole traders are assessed on personal tax returns.
Business income flows through to you personally.
Low doc options apply where returns understate income.
The assessment is often simpler than a company structure.

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.

First Name

Last Name

Email Address

Australian Mobile Number

By submitting, you agree to be contacted by one of our team of licensed mortgage brokers. No obligation. No spam.

You're all set.

We've received your details. One of our friendly brokers will reach out within 1 business day to help guide you through your options.

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.