Income assessment
Review tax returns, financial statements, business activity statements and relevant income trends.
Melbourne-based. Helping borrowers Australia-wide. Available 7 days.
0477 212 840Self-employed home loans Melbourne
Self-employed lending with the right policy fit.
Turn business income, financial statements and supporting documents into a clear home-loan application strategy.
Business income reviewedDocumentation pathway explainedLender policies compared
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Clear advice from start to finish.18 years’ experience · 40+ lenders compared
How we help
Your income deserves more than a standard checklist.
Lenders can interpret self-employed income differently. Careful preparation helps identify realistic options before an application is submitted.
Policy matching
Compare how suitable lenders assess trading history, add-backs and year-to-year changes.
Document strategy
Clarify which documents are needed and address likely assessor questions early.
Application presentation
Submit a consistent explanation supported by the right evidence for the selected lender.
Your pathway
A considered process. Clear next steps.
Review
Understand the business, income history and borrowing goal.
Clarify
Identify available evidence and any items requiring explanation.
Compare
Assess suitable lender documentation and servicing policies.
Apply
Prepare and manage a complete application through assessment.
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Learn moreTalk to an experienced broker
Let’s make your next step clearer.
Share a few details and Chris will contact you personally to understand your position and outline a useful next step. There’s no pressure and no obligation.
Common questions
Good decisions start with good questions.
How long do I need to have been self-employed?+
Requirements vary by lender, industry, loan type and documentation. Some lenders may consider a shorter trading history, while others require a longer record.
What income documents will I need?+
Depending on the lender, this may include tax returns, notices of assessment, financial statements, business activity statements and business bank statements.
Can legitimate business expenses be considered differently?+
Some lenders may consider eligible add-backs, but treatment varies and supporting evidence is required. The final assessment remains the lender’s decision.
This information is general in nature and does not take into account your objectives, financial situation or needs. Credit assistance is subject to assessment, lender criteria and approval. Government scheme and grant eligibility is determined by the relevant authority.