Self-Employed & Business Owners
Self-Employed & Business Owners
Being self-employed shouldn't make getting a home loan harder than it needs to be. We work with lenders who understand business income, whether it comes from tax returns, business activity statements, or an accountant's declaration, so your application is assessed fairly.
Documenting Non-Standard Income
Different lenders accept different evidence of income — full financials, one year of tax returns, or low-doc options for well-established businesses. We match you to lenders whose policy actually fits how your income is structured.
- Lenders Experienced With Business Income
- Guidance on Which Documents You'll Need
- Options for Sole Traders, Companies & Trusts
- Support Coordinating With Your Accountant
How Bunji Finance Helps
We know which lenders on our panel are genuinely comfortable assessing self-employed applicants, so you're not declined halfway through for using the wrong lender.
Common Questions
Can I get a loan if I'm self-employed?
Yes. Lenders assess self-employed income differently to PAYG income, and we match you to lenders whose policy fits your business structure and how long you've been trading.
How many years of financials do I need?
It depends on the lender — some accept one year of tax returns, others want two. We'll tell you upfront which lenders fit your situation before you gather paperwork.
