Self-employed borrowing services
How we organise income evidence, overlays and lender pacing for company structures.
Research hub
Self-employed borrowers hub
Self-employed home loans — calculators, jargon, specialist service path
Add-backs, trust distributions versus personal tax assessments, seasoning of business income — self-employed underwriting is seldom one PDF and done.
This hub cross-links calculators (for illustrative debt sizing) plus our self-employed lending service narrative and glossary explainers anchoring PAYG-vs-self-employed distinctions.
Book when you already have accountant files or BAS rhythms — enquiries with numbers land faster than vague “maybe self-employed” notes.
Pillar routes on this site
These URLs are hand-picked for topical overlap — they are the strongest internal links for both readers and crawlers understanding your intent.
Owner-occupied home loans
Baseline purchase pipeline when your structure blends salary and retained earnings.
Borrowing capacity lane
Initial capacity estimate — illustrative only compared to PAYG calculators from banks.
Glossary — self-employed jargon
Reference LVR overlays, shading rules and BAS cadence wording before digging into posts.
Refinance playbook
If you are resetting structure or splitting personal and company debt while refinancing.
Enquire with accountant timeline
Add last two years’ returns + interim management figures if available — sharper follow-up.
Latest from Insights
Automated roll-up of published posts matching Self-employed · Basics categories (newest first).
Behind every Australian loan decision sits a number most borrowers never see until it costs them. Here is what your credit score actually measures, why two bureaus can put you in different bands, and how to read — and quietly improve — your own file before you apply.
Evergreen explainer on lender commissions vs client fees, ASIC’s best-interests duty for brokers, and how to compare a broker pathway honestly against going direct — with official references.
Genuine savings is one of the quiet gatekeepers between ‘I have the deposit money’ and ‘the lender will advance at this LVR.’ Here is how banks and LMI providers typically think about it — with plain-English examples, verification habits, and links to official guidance.
A nationwide, evergreen guide to how Australian lenders test home loan serviceability: income, living expenses, buffers, credit limits, and investor shading — so you can plan with the same logic assessors use, in any state or territory.
- ATO tax debt and your home loan in 2026: what every self-employed Australian needs to know before you apply
Self-employed
From 1 July 2019, the ATO has been allowed to disclose business tax debts above $100,000 to the credit reporting bureaus. Seven years on, the rule is mature, lenders know exactly how to read it, and self-employed borrowers are paying a price for not understanding it. Here is the plain-English version — what triggers disclosure, what lenders actually see, and the pragmatic path most clients use to clear the debt and the application in one move.
- Self-employed home loan documents checklist for Australia (2026): exactly what lenders want and why
Self-employed
If you run your own business in Australia, your home loan approval is decided by the paperwork before it is decided by the property. Here is the full 2026 document checklist lenders actually use — full-doc, alt-doc, 1-year ABN and 2-year ABN paths — with the reasoning behind each line.
If you run your own business and your home loan still carries a double-digit headline from a few years ago, full-doc refinance can feel like a second job. Here is how an Easy Refinance–style pathway works for eligible borrowers, what still gets checked, and how to know if you should move now.
A straight read on declines: credit files, serviceability, APRA debt-to-income settings, bank-statement conduct, and the re-apply playbook brokers use before lodging again.
Owner-building or contracting a home is not one big cheque — it is staged drawdowns tied to real progress. Here is how construction finance, builder invoices, and lender checks usually line up, what can go wrong, and what to sort before you break ground.
End of financial year is when payslips, tax summaries, and business figures update. If a purchase or refinance is on the horizon, collecting the right documents now saves weeks when a lender asks.
Conditional approval, approval in principle, “financed” at open homes — what the bank actually checks, what it does not guarantee, and how to shop without nasty surprises.
LMI is not stamp duty and it is not optional extras from the builder. It protects the lender, costs the borrower, and shows up in assessments in specific ways. Here is a straight explanation of when it applies, how premiums are usually charged, and how to compare paths without treating LMI as a dirty word.