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 deserve.
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.

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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.

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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

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.