We calculate realistic borrowing power based on income, expenses, and deposit.
Guidance on low deposit loans, guarantor options, and government schemes.
We compare major banks and specialist lenders that suit first home buyers.
We structure loans to reduce costs, improve flexibility, and plan ahead.
From pre-approval to settlement, we manage the process end to end.
Plain English advice so you know exactly what you are signing up for.
Getting a home loan while self-employed can be more complex than for PAYG employees. Even with strong income, lenders assess business owners differently and apply stricter documentation and verification requirements.
Self-employed home loans are designed for business owners, contractors, sole traders, and company directors whose income does not fit standard payslip models. Lenders focus on business financials, tax returns, and cash flow rather than a single salary figure.
At Mortera, we specialise in positioning self-employed applications correctly. We assess your business structure, income history, expenses, and add-backs to present a clear and accurate financial picture to lenders.
Different lenders have very different rules for self-employed borrowers. Some require two full years of financials, while others may accept alternative income verification methods. Choosing the right lender can be the difference between approval and rejection.
Our role is to simplify the process. We help prepare documentation, identify suitable lenders, and structure loans that support both personal and business goals without restricting future flexibility.
Lenders generally consider you self-employed if you are a sole trader, contractor, partnership member, company director, or business owner with significant control over income.
Most lenders require recent tax returns, business financials, and notices of assessment. Some lenders may accept alternative documentation depending on circumstances.
Many lenders prefer two years, but some accept one year or alternative verification for strong applicants. This depends on lender policy and income stability.
In some cases, yes. Eligibility depends on income, business strength, profession, and lender criteria.
Not necessarily. With the right lender and structure, self-employed borrowers can access competitive rates similar to PAYG applicants.
Mortera is available 8am to 8pm, seven days a week.
We work Australia-wide.
No obligation.
Expect a response within five minutes during business hours.
298 George St, Haymarket, Sydney, Australia
Mortera Finance Pty Ltd trading as Mortera
ABN: XX XXX XXX XXX
Australian Credit Licence: XXXXXX
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