Self-Employed Home Loans — Melbourne Mortgage Broker Since 2016
Been knocked back because you're self-employed? I compare 40+ lenders who actually understand business income — sole traders, directors and business owners, refinance, purchase or portfolio review.
5★ Google Rated | Mortgage Broker Since 2016
Get the Right Home Loan for Your Self-Employed Situation
Every business owner’s income is different. Tell us about your circumstances and we’ll help you explore home loan options that may suit your income and financial position
Home Loans for Self-Employed Borrowers
Being self-employed shouldn't make getting a home loan unnecessarily difficult. Different lenders assess business income in different ways, and understanding those policies can make a significant difference to your borrowing options.
Whether you're a sole trader, company director or business owner, we can compare suitable lenders based on your income, business structure and financial circumstances.
Why Self-Employed Home Loans Can Be Different
Getting a home loan when you're self-employed can be different from applying as a PAYG employee. Lenders may assess your income, business structure and financial position in different ways, and their lending policies can vary significantly.
We understand that your income may come from your business, company salary, business profits or other sources. We can help identify lenders whose policies are suitable for your circumstances and compare your available options.
Being self-employed doesn't have to mean settling for limited choices.
We Help Self-Employed Borrowers Across Different Business Structures
Sole Traders
We can help assess your business income and identify lenders that are comfortable with your trading history and financial position
Company Directors
If you receive a salary from your company or your income includes business profits, we can compare lenders based on how they assess your overall income
Income Lenders May Consider
Business Income
Lenders may consider income generated through your business when assessing your borrowing capacity, subject to their individual lending policies.
Director's Salary
If you pay yourself a salary or wages from your company, this may be considered as part of your assessable income.
Depreciation and Other Add-Backs
Some lenders may allow certain business expenses, such as depreciation, to be added back when calculating income for servicing purposes.
Net Profit
Depending on the lender and your business structure, business profits may also be considered when assessing your application.
Why Choose AK Home Loans?
Personal Service
You'll deal directly with your mortgage broker rather than being passed between different departments.
5★ Google Rated
Our clients have rated us 5 stars on Google, with 60+ reviews.
Mortgage Broker Since 2016
We've been helping Australians with their lending needs since 2016.
Multiple Lenders
We can compare suitable loan options across our lender panel rather than being tied to one bank.
Plain-English Advice
No confusing bank jargon. We'll explain your options and help you understand the loan you're considering.
Support Through Settlement
Our job doesn't finish when your application is submitted. We'll help guide you through the process until settlement.
AK Home Loans and this website is owned and managed by Ali Kawser Pty Ltd. Ali Kawser Pty Ltd (490618) and MD Ali Kawser (490619) are credit representatives of National Lending Group Pty Ltd, Australian Credit Licence 412778 FBAA Accredited Member M-347951