Self Employed Home Loans

At Solve It Finance, we specialise in helping self-employed Australians secure the home loan they deserve — even when traditional banks say it's "too hard."

We understand that running your own business often means your income doesn’t fit neatly into a bank's standard box. That’s why we offer smart, flexible lending solutions tailored for self-employed borrowers.

Why It’s Harder for Self-Employed Borrowers at Traditional Banks

Even successful business owners can face major hurdles when applying for a home loan with a mainstream lender, including:

• Strict Income Documentation Requirements

Banks often require two years of full financials, tax returns, and profit-and-loss statements. If your income varies, or your accountant minimises your taxable income the banks might decline you.

• Inconsistent or Fluctuating Income

Seasonal cash flows, business growth stages, or project-based income can make it harder to prove "stability" on paper — even when your business is thriving.

• Complex Business Structures

Banks often struggle to assess income from trusts, companies, or multiple entities correctly, leading to reduced borrowing capacity or declined applications.

• Longer Processing Times

Traditional banks often don’t prioritise self-employed loan applications, leading to frustrating delays and endless requests for more paperwork.

At Solve It Finance, we specialise in navigating these challenges and getting results for business owners. Here's how we make it easy:

✅ Alternative Documentation Options

We work with a panel of lenders who accept BAS statements, business bank statements, accountants' letters, or low-doc options — giving you more flexibility and less paperwork.

✅ Tailored Lending Strategies

We assess your real income and business strength, not just your tax returns. We match you with lenders who understand self-employed cash flows and alternative income verification.

✅ Access to Specialist Lenders

Beyond the big banks, we have strong relationships with specialist lenders who want to work with self-employed clients — and offer competitive rates and flexible terms.

✅ Fast Approvals

Because we know which lenders move fast for self-employed borrowers, we can get you approved quickly — so you can make offers with confidence.

✅ Expert Advice, Step by Step

We guide you through the entire process, helping you package your application professionally to give you the strongest chance of approval — the first time.

• Sole Traders

• Company Directors

• Contractors and Freelancers

• Partnerships and Family Businesses

• Business Owners with less than 2 years' trading history

1. Initial Consultation with your mortgage broker
   Your journey starts with a one-on-one conversation with your expert mortgage broker. We take the time to personally understand you and your financial goals, whether you're buying your first home, investing in property, or securing a commercial loan.

2. Assessing Your Financial Position
   Next, we’ll gather the necessary documents such as pay slips, tax returns, tax returns and details of your assets and liabilities. This helps us assess how much you can comfortably borrow. We’ll explain your borrowing capacity, and guide you on steps to strengthen your position if needed, ensuring you’re set up for success.

3. Exploring Loan Options
   Once we understand your financial picture, we’ll research various options from our large range of lenders to find the best fit for you. We’ll explore all aspects, including interest rates, loan features, fees, and terms, so you’re fully informed about your choices.

4. Pre-Approval Process
   Pre-approval is a crucial step in the property buying process. With pre-approval, you’ll have a clear idea of the loan amount you can borrow, which strengthens your position in the local property market. Your broker will help you gather the necessary documents and submit them to the lender for pre-approval, ensuring the process is as quick and straightforward as possible.

5. Submitting the Loan Application
   Once pre-approval is in hand, your broker will help you complete the application to unconditional approval. They will guide you through submitting all the remaining items to the lender such as a contract of sale and valuations. Your broker will communicate directly with the lender to ensure the application is processed quickly, ensuring no delays in getting you the loan you need.

6. Loan Approval & Settlement
   After your loan is approved, your broker will review the final loan offer with you and help arrange any necessary insurance, such as mortgage protection insurance. They will also work with you to ensure you understand the terms of the loan and guide you through the settlement process. Your broker will remain available to help you navigate any final hurdles before you complete the purchase of your property.

7. Finalising Ownership
   The final step is settlement, when your loan is officially advanced, and you take ownership of the property. Your broker will coordinate with the lender and conveyancer to ensure the transfer goes smoothly. Once the settlement is complete, you’ll officially become the owner of the property, and your Finance & Mortgage Broker will continue to offer guidance to help you manage your loan and stay on track with repayments.