Self Employed Home Loans › Should self employed borrowers use a broker?

Should self employed borrowers use a broker?

It often helps. Because lenders assess self employed income so differently, a broker can match your figures to the lender most likely to read them favourably, and package the application correctly. For first home buyers there is generally no fee, as the lender pays the broker.

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

Why this matters

Self employed lending is where a broker earns their value most clearly. The same tax returns can produce wildly different outcomes across lenders, and knowing which lender suits a one year history, a newer ABN, or heavy add backs is specialist knowledge. A broker does that matching for you, and for buyers there is usually no cost.

The key points

Lenders read self employed income very differently.
A broker matches your figures to the right lender.
Correct packaging can lift your approval amount.
For buyers there is generally no fee, the lender pays.

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.

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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

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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.