Home Loans for Self-Employed Australians
Let’s start it with the full picture.
Whether you’re a sole trader, company director, partner or business owner, we’ll help you understand your borrowing options, how lenders may assess your income and what information could strengthen your application before moving forward.
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How Peasy Supports Self- Employed Borrowers
Getting a home loan when you’re self-employed isn’t just about finding a lender. It’s about understanding your business, income, ownership structure and financial position – and presenting that information clearly to the right lender.
Whether you’re buying, refinancing or reviewing an existing low-doc loan, Peasy takes the time to understand how your business really works. We explore different lending pathways, explain the trade-offs and help you work out which options may suit your goals, timeframe and overall financial position.
Ready to Get Started?
Book a free 15-minute introductory call to discuss your investment property goals, ask questions and explore the right lending strategy. Whether you’re buying your first investment property or growing your portfolio, our team is here to help.
Every Self-Employed Borrower has a Different Story Behind the Numbers
Self-employed borrowers are often assessed differently from salaried employees. But a tax return or payslip alternative doesn’t always tell the full story. Your business structure, trading history, income trends, retained profits and the way you pay yourself can all influence how a lender views your application.
That’s why Peasy starts by understanding how your business really works. We look beyond the headline figures, identify the information lenders may consider and explore which lending pathways could suit your circumstances – whether you’re purchasing a property, refinancing or reviewing an existing low-doc loan.
The goal is simple: to help you make self-employed home loan decisions that feel clear, considered and aligned with where you’re trying to go.
Borrow with Clarity, Not Guesswork
At Peasy, self-employed lending isn’t about forcing your finances into a standard box. It’s about understanding how your income is generated, how your business is structured and which lenders are more likely to assess your situation fairly.
The strongest applications start with the right information and a clear strategy – not assumptions about what being self-employed means for your borrowing options.
Explore How We Support Self Employed Borrowers
Understand Your Full Financial Picture
We take the time to understand your income, business structure, financial history and goals before discussing possible lending pathways.
Self-Employed Income Assessment
We review how your income is generated and help identify how different lenders may assess your financial position.
Home Purchase and Refinance Support
Whether you’re buying a property or reviewing your current home loan, we help you explore options suited to your circumstances.
Financial Document Review
We help make sense of tax returns, financial statements and other supporting documents that may be relevant to your application.
Full-Doc and Low-Doc Options
Depending on your circumstances, we can explore traditional income verification as well as alternative documentation pathways.
Lender Policy Comparisons
Self-employed policies can vary considerably. We compare how different lenders may view your income, business and overall application.
How We Help You Borrow With
Greater Confidence
Step 1: Understand Your Situation
We start by understanding your business, income, financial position and what you’re hoping to achieve.
Step 2: Review the Full Picture
We consider your business structure, financial documents and the different ways lenders may assess your income.
Step 3: Explore Your Options
We compare suitable lenders, documentation pathways and possible loan structures based on your circumstances.
Step 4: Build the Right Strategy
Once you understand the options, we help structure the application clearly and guide you through the process from start to settlement.
Start With the Full Picture.
Borrow With Confidence.
“Being self-employed can make the lending process feel more complicated, but it doesn’t need to feel confusing. We’re here to understand the full picture, explain the options clearly and help you make your next move with confidence.”
You’ve Built the Business. We’ll Help
Make the Home Loan Easy With Peasy.
At Peasy, we take the time to understand the story behind your numbers.
Tell us what you’re trying to achieve and we’ll help you explore the lenders, documentation options and lending pathways that may suit your circumstances.
Why Self-Employed Australians Choose Peasy
Self-employed lending can come with plenty of assumptions. You may have been told your income is too complicated, your financials don’t fit a lender’s policy or that a low-doc loan is your only option. At Peasy, our role is to help you understand what may actually be possible.
Rather than rushing straight to an application, we take the time to understand your business, income, ownership structure and goals. We then explore suitable lenders and documentation pathways, helping uncover options, issues and opportunities that may otherwise be overlooked.
Let’s explore what your business and income could make possible for your property goals.
Whether you’re buying, refinancing or reviewing a low-doc loan, the goal is simple:
help you make clearer lending decisions based on the full picture.
Trusted By Over 1,000 Self-Employed Australians
From sole traders to company directors and established business owners, our clients value thoughtful conversations, practical guidance and a lending approach that takes the time to understand how their income really works.
My experience with Peasy was nothing short of amazing. Joel, Vera, and the team went above and beyond at all stages of the process - thorough comparisons lenders and products for different purchase scenarios all the way through to chasing the lender to ensure settlement happened on time. Their customer service was second to none and made the stressful and confusing first home loan process as smooth as possible! To anybody considering whether to go via a broker versus directly to a lender - it’s a no brainer.
Claire G.
5-star service from Peasy! Their team was patient, clear, and guided me through every single step. Highly recommend Peasy to anyone looking to buy their first home!
Paul S.
From our first meeting to all the emails, finding properties, to getting all the loan details finalised, the team at Peasy made this experience just so smooth and we have felt incredibly supported through the whole purchase process. Thank you for helping us into our first home, it is appreciated more than you know. Looking forward to working with you again in the future.
Margot B.
Even though I’m just at the start of my purchasing journey, my experience with Joel and the Peasy team has been fantastic so far. From our very first in-depth conversation, Joel has been patient, knowledgeable, and always happy to answer my many questions. I also had a great first call with Anita, their Buyers Coach, which has given me lots of clarity and confidence by removing a lot of the unknowns. Their guidance has been so invaluable, and I feel much more confidant continuing on. Highly recommend!
Monique P.
Self-Employed Home Loan Questions, Answered
Whether you’re buying, refinancing or reviewing a low-doc loan, these are some of the questions self-employed borrowers commonly ask before taking the next step.
In many cases, yes. Being self-employed doesn’t prevent you from obtaining a home loan, but lenders may assess your income differently. Your business history, financial statements, tax returns, debts and overall financial position can all influence what may be available.
Different lenders use different methods. Some may average income across two financial years, while others may place more weight on the most recent year. They may also consider business expenses, depreciation, company profits and other adjustments when assessing your income.
Not always. While many lenders prefer two years of financial information, some may consider one year of financials or alternative forms of income verification. The right pathway will depend on your business history, financial position and the lender’s policy.
No. A low-doc loan may be appropriate in some situations, but it shouldn’t automatically be the starting point. Peasy reviews the full picture to determine whether a standard full-doc loan or another lending pathway may also be available.
Yes. We can review your current loan, business income and available financial information to explore whether another lender, loan type or documentation pathway may now be suitable. If your existing loan remains the right option, we’ll tell you that too.
Ready to make your Self-Employed Home Loan move with more confidence?
Whether you are buying your first home, refinancing, investing or trying to understand what is possible, Peasy is here to help you make sense of the lending options in front of you.
Tell us what you’re trying to achieve. We’ll take the time to understand your business and help you explore what may be possible.
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