Being your own boss has plenty of perks — flexibility, independence, and the ability to grow something that’s yours. But when it comes to applying for a home loan, being self-employed can feel a little more complicated than it should.
The good news? With the right preparation and guidance, getting finance as a self-employed borrower in 2025 doesn’t need to be stressful.
At Gardian Finance, we’ve helped many business owners, contractors, and freelancers achieve their property goals. Here’s what you need to know.
📑 Why It’s Harder for the Self-Employed
Unlike PAYG employees who provide payslips, self-employed borrowers usually need to supply more paperwork to prove income stability. Lenders want to see that your business is profitable and consistent — not just in the good months, but year-round.
Typically, banks may ask for:
Two years of tax returns (personal and business)
Business activity statements (BAS)
Profit and loss statements
Recent bank statements
This extra documentation can make the process slower, but a broker can help smooth it out.
💡 Loan Options for the Self-Employed
Full-Doc Loans
Low-Doc or Alt-Doc Loans
For borrowers without complete tax returns or who need to show alternative forms of income.
You can use BAS, accountant letters, or bank statements to support your application.
Interest rates may be slightly higher, but they provide flexibility.
Offset Accounts and Loan Splits
✅ Tips to Improve Your Chances of Approval
Get your paperwork in order: Up-to-date tax returns and financials are key.
Reduce personal and business debt: Lenders assess both.
Save a larger deposit: A bigger deposit reduces risk for the bank.
Keep personal and business accounts separate: It shows clear financial management.
Work with a broker: We know which lenders are more flexible with self-employed borrowers.
👋 How Gardian Finance Can Help
At Gardian Finance, we understand the unique challenges self-employed clients face. We’ll:
Review your financials and identify the strongest way to present your income.
Connect you with lenders who specialise in self-employed loans.
Help you structure your loan so it supports both your personal and business goals.
Whether you’re a sole trader, contractor, or small business owner, we’ll guide you every step of the way to secure the right loan for your needs.
Ready to Make It Happen?
Don’t let paperwork stop you from owning your dream home. The Gardian Finance team is here to make the process smoother, faster, and less stressful — so you can focus on running your business.
📞 Phone: (07) 4953 2799
🌐 Website:
www.gardian.com.au📍 Address: 73 Wood St, Mackay
