Self employed home loans
It is not impossible for the self-employed to get a home loan – but it isn't easy either.
Taxable income declared by self-employed people is often reduced, as accountants look for as many tax deductions as they can achieve. Another problem is the sheer volume of paperwork the self-employed person must present to meet evidence requirements.
The good news is that a number of innovative lenders have emerged in recent years and these take a simpler approach than has been taken by lenders in the past.
Getting help from an expert
We recommend that professional help be sought from the outset when looking for home loans for self-employed. The complexities of structuring home loans for the self employed usually mean that you need an expert to put it together.
Your Smartline Mortgage Broker will know which lenders apply which rules; which lenders will use the latest year’s figures if they’re better than the year before, instead of averaging; and which lender will use one year’s trading instead of two. Also, they’ll know which lenders will add depreciation and other non cash-flow items back into income.
- More on finding the right loan.
- Get some smart mortgage advice.
- Use our mortgage calculators now.
- Find out why our clients use us to find their home loan.
- Find out how to save time and money talk to a Smartline Mortgage Adviser.
-
Our Lenders
Smartline's panel includes 25 of Australia's leading home lenders.
See all of our lenders
-
Our Awards
Smartline is an award winning mortgage broker voted Australia's top franchise.
See all of our awards -
Charities We Help
$10 is paid to a range of charities Smartline supports. $500,000 has been donated to date.
See all of the charities we help -
Mortgage Broker
FranchiseCall Smartline today on 1800 020 066 and find out how!
Enquire about our Franchises