Self-Employed Home Loans

Getting a Home Loan When You’re Self-Employed Doesn’t Have to Be Hard

Running your own business comes with freedom — but when it comes to applying for a home loan, it can feel like banks don’t see the full picture. At Base Home Loans, we specialise in helping self-employed borrowers get the finance they need.
Whether you’re a sole trader, contractor, or small business owner, we’ll help you present your income clearly, compare lenders, and secure a home loan that recognises the nuances of your financial position.

book a call today

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self employed loan perth

How can we help?

Getting a home loan when you are self-employed can be more complex, but it is not impossible. Base Home Loans helps self-employed borrowers understand what income evidence lenders may accept, how different lenders assess business income, and which loan options may suit their circumstances, including full-doc, alt-doc and specialist lending pathways.

Why work with base home loans

Over 30 lenders compared

We work with a wide panel of banks, non-banks, and specialist lenders to find the most competitive rates and flexible options for self-employed borrowers.

Experience with complex and alternative income

Whether you’re a sole trader, company director, contractor, or have fluctuating income, we know how to present your financials in the best light to lenders.

Mortgage loan Broker Perth Daniel Niederberger

Perth-based brokers with national reach

While we’re proudly local to Perth, we help self-employed Australians nationwide secure finance that fits their circumstances.

Personalised, transparent service

We believe in clear communication, straightforward advice, and support from start to settlement — so you always know where you stand.

How we help our self Employed clients

We understand that no two businesses are alike. That’s why we take the time to understand your business, income structure, and long-term goals.

Here’s how we help our self-employed borrowers:

Low Doc & Alt Doc Loan Options
Specialist Lender Access
Business Income Analysis
Tailored Strategy

let’s get started

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frequently asked questions

Yes, some lenders accept alternative documents like BAS statements or bank statements as income evidence. These are known as alt doc or low doc loans.

Yes, but a good broker can help you present your income more clearly so that legitimate business deductions don’t unfairly reduce your borrowing power.

Not necessarily — rates depend on your financial profile and the lender. We’ll help you compare both major banks and specialist lenders to find competitive options.

Absolutely. Many of our clients refinance to access better rates or free up equity to reinvest in their business.

Yes. If you’ve switched from PAYG to self-employed, refinancing is still possible — especially if you can demonstrate consistent income or business growth. Specialist lenders can help even if your recent financials are still stabilising.

It can, but we help you navigate that. Lenders assess the income and liabilities of both you and your business entity. We’ll ensure your application clearly shows your true earning capacity and tax-effective structure.

Yes. Many self-employed borrowers experience income ups and downs. We work with lenders who look at your average income over two years — or who focus on your most recent year if your earnings are increasing.

Yes. Several specialist lenders cater to business owners with a less-than-perfect credit history. As long as you can show affordability and a plan to manage your finances going forward, approval is possible.

In many cases, yes. Some lenders will include retained earnings or director’s drawings as part of your assessable income — but it depends on your business structure and how your accountant reports your income.

Latest articles for self Employed loans

More home loan news

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Common scenarios for Self-Employed Clients

Depending on your needs and documentation, we can assist with:

Specialist Loans: For complex structures or short trading histories.

Full Doc Loans: When you have up-to-date tax returns and financials.

Alt Doc Loans: When you can provide BAS, bank statements, or accountant declarations.

Low Doc Loans: When documentation is limited but your business is solid.

You’ve been self-employed for less than two years

Your income has recently grown but isn’t reflected in last year’s tax return

You have multiple business entities or trusts

You’ve been declined elsewhere due to insufficient documentation

You want to refinance to consolidate debt or access equity for your business

      
 
 
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   sophia baiamonte 
 14 October 2026
 
 
 Trustindex verifies that the original source of the review is Google. as always dealing with Daniel as been a wonderful and great experience , always on top of things and responding to all correspondence . I would highly recommend and always would deal with daniel . thank you for making it all happen once again
  
 
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   Tim Sneddon 
 24 September 2026
 
 
 Trustindex verifies that the original source of the review is Google. Daniel was incredibly helpful and knowledgeable when it came to helping us. He is very clear and direct, so you know exactly what you need to do and how to get there. The heaps of 5 star reviews is what led me to seek his services in the first place and I can attest through my own experience that they are well earned and deserved.
  
 
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 24 September 2026
 
 
 Trustindex verifies that the original source of the review is Google. Communication is amazing. Knowledgeable and honest.
We would highly recommend Daniel to anybody wishing to buy a home.
  
 
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   Catherine Moore 
 23 September 2026
 
 
 Trustindex verifies that the original source of the review is Google. Daniel responded quickly to my phone calls and emails. He kept me informed at all times and made the whole process easy. I have no hesitation in recommending Daniel to anyone looking for a reverse mortgage.
  
 
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   Dennis Ginbey 
 8 September 2026
 
 
 Trustindex verifies that the original source of the review is Google. We had a fantastic experience working with Daniel and the team at Base Home Loans for our recent property purchase. They made the entire finance process smooth, stress-free, and incredibly straightforward. Highly recommend their services to anyone looking for a reliable broker!"
  
 
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   sneha priya 
 2 September 2026
 
 
 Trustindex verifies that the original source of the review is Google. Daniel and Leah, thank you for being so proactive, staying ahead of everything, constantly following up and making sure we never felt lost with the finance side of things. Your guidance and reassurance made such a big difference, especially when everything was new to us.
  
 
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   Zarif Mahmud 
 20 August 2026
 
 
 Trustindex verifies that the original source of the review is Google. I am so grateful for Justine Ann Guzman's exceptional service. She went above and beyond to ensure all my questions were answered promptly and clearly. Working with someone so efficient and kind made a world of difference.
  
 
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   Omar Munerato 
 4 August 2026
 
 
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I highly recommend Daniel from Base Home Loans. This is the second time we’ve used his services, and once again he has been outstanding. The first time, Daniel helped us secure our home loan in Perth, and now he has guided us through buying our new home in Melbourne. Despite the different states and processes, everything was handled professionally and smoothly.

Daniel is knowledgeable, responsive, and always takes the time to explain everything clearly. He made the entire process stress-free, and we always felt that he had our best interests at heart. Thank you, Daniel, for your excellent service and ongoing support. We wouldn’t hesitate to use you again or recommend you to anyone looking for a reliable and trustworthy mortgage broker.
  
 
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   Cameron Valentine 
 21 July 2026
 
 
 Trustindex verifies that the original source of the review is Google. Daniels help was fantastic from start to finish. He made the whole mortgage process straightforward, kept me updated every step of the way, and was always quick to answer any questions. I'd highly recommend Daniel and the team at Base Home Loans to anyone looking for a reliable and supportive mortgage broker.
  
 
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   Mitchell Nye-Wood 
 21 July 2026
 
 
 Trustindex verifies that the original source of the review is Google. Great result and good communication with Daniel from Base Home loans over a year long journey where I was buying off the plan.
  
 
 
  
 
 
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Ready to get started?

Don’t let self-employment stop you from achieving your property goals.
Book a free, no-obligation chat with Daniel today to explore your options and find out how much you could borrow, or send us your message using the form here.

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