If you are looking for a self-employed home loan in Sydney, understanding how your income can be assessed is a useful first step. Your business structure and the documents available can influence which lending options are suitable.
I’m Mehdi Amirilayeghi, Mortgage Broker and Lending Director at House of Finance. My lending focus includes helping self-employed borrowers explore finance for their property goals, including clients in Parramatta, Castle Hill, Bankstown, Roselands and Sydney Wide.
Can you get a home loan when you are self-employed?
Yes. Being self-employed does not automatically prevent you from qualifying for a home loan. Sole traders, business partners and people earning income through companies or trusts can apply, subject to the lender’s assessment.
The documents required may differ from those used by an employee. Some lenders offer simplified income verification for eligible business owners, while other applications require more detailed financial records. The appropriate approach depends on your circumstances and the lender’s criteria.
Start by explaining how your business pays you
Before comparing loan options, write down how you receive your income. Do you draw a salary from your company? Operate as a sole trader? Receive distributions through a trust?
This gives your broker a clearer starting point. It also helps identify which financial records to request from your accountant and which questions need to be answered before an application is prepared.
You do not need to know all the lending terminology before making an enquiry. A useful opening explanation is simply: “This is how my business operates, this is how I get paid, and this is what I want to buy or refinance.”
What documents might you need?
Depending on the lender and your business structure, your application may require:
● Personal tax returns and ATO notices of assessment.
● Business tax returns and financial statements.
● Bank statements and evidence of savings or your deposit.
● Details of existing debts and regular expenses.
● Evidence of other income you want considered.
This is a starting checklist, rather than a requirement that applies identically to every borrower. Confirm the relevant documents before spending time assembling a full application.
Ready to get started?
If you are self-employed and looking to buy or refinance in Sydney, including Parramatta, Castle Hill, Bankstown or Roselands, contact Mehdi Amirilayeghi at House of Finance to discuss your circumstances and the next steps.
What if your latest figures need more explanation?
Business income can change. Your latest financial statements may include a significant one-off expense or show a different picture from previous years.
Raise these details early and ask your accountant to help explain them accurately. Supporting information can help a lender understand the figures, although the lender decides what income and adjustments it will accept.
The goal is a clear, evidence-based application that explains your circumstances honestly.
Do self-employed borrowers always need a low-doc loan?
No. Eligible self-employed borrowers may qualify for standard home loans.
Low-documentation loans are an option offered by some lenders when standard documentation requirements cannot be met. They still require income evidence and an assessment. Depending on the product, they may involve a higher interest rate or a larger deposit.
It is worth discussing which documentation pathway suits your circumstances before assuming you need a particular loan type.
Support for borrowers in Parramatta, Castle Hill, Bankstown and Roselands
Whether you are exploring a purchase in Parramatta, refinancing in Castle Hill, or planning your next property move in Bankstown or Roselands, start the conversation with your goals and your business circumstances.
At House of Finance, my focus is self-employed lending: understanding the borrower behind the financial statements and helping them navigate the application process.
When you contact me, useful questions to discuss include:
● How should I prepare my income documents?
● What information about my business needs explaining?
● What could affect my borrowing options?
● What should I organise before moving ahead?
These are practical starting points whether you are ready to apply or still planning a future purchase across Sydney.
Speak with Mehdi Amirilayeghi at House of Finance
Your next property decision starts with understanding your position.
If you are self-employed and looking to buy or refinance in Sydney, including Parramatta, Castle Hill, Bankstown or Roselands, contact Mehdi Amirilayeghi at House of Finance to discuss your circumstances and the next steps.
