314/20a Lexington Drive Bella Vista NSW 2153
+61 447 959 546
info@apwfinance.com

Self-Employed Home Loans

Smart Lending for Hustlers, Dreamers & Business Builders

Self-Employed Home Loans

Being your own boss shouldn’t mean sacrificing the dream of homeownership. APW Finance helps self-employed Australians—whether sole traders, freelancers, contractors, or company directors—secure flexible home loans tailored to their income, business performance, and unique financial situation, even with non-traditional documentation.

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    Flexible Lending That Works Like You Do

    Self-employed home loan features include:

    Low-Doc & Alt-Doc Loans

    Access finance even with limited financial statements. We work with lenders who assess ABN holders beyond just tax returns.

    Business Performance-Based Assessment

    Lenders review your full business profile—bank statements, BAS, and income flow—not just declared net profit.

    Loan Options from 10% Deposit

    Get approved with a smaller deposit by showing strong turnover and stability—even if your income isn’t perfectly consistent.

    Specialist Lender Access

    We connect you to lenders who understand self-employed income patterns—and approve loans others might reject.

    You Built the Business. Now Build the Home.

    We translate self-employed income into loan approvals that banks may overlook.

    Sole Traders & Freelancers

    As a sole trader, your income may vary month to month. We help you present a strong loan application using bank statements, ABN history, and BAS to secure flexible finance.

    Company Directors

    Running a business with retained earnings? We help directors borrow based on actual income flow—not just low-taxed declared income. Loan options tailored to your structure and documentation.

    Contractors & Gig Workers

    Just because your pay isn't traditional doesn’t mean you can’t own a home. Our loan solutions support contract-based income and irregular cash flow with smart lender pairing.

    Your Perfect Loan Starts With the Right Partner

    From paperwork to approval, we make your lending journey fast, smooth, and stress-free..

    APW Finance – Self-Employed Loan FAQs

    Can I get a loan without full financials?

    Yes, many lenders offer low-doc or alt-doc loans for self-employed applicants using BAS, bank statements, or accountant letters instead of full tax returns.

    How long do I need to be self-employed?

    Most lenders prefer at least 1–2 years of trading history, but some offer flexibility for new businesses with stable cash flow and low-doc options.

    Are rates higher for self-employed loans?

    Not always. With strong financials or good alternative documentation, you can access competitive rates similar to full-doc borrowers—especially through specialist or non-bank lenders.

    How much deposit do I need?

    Self-employed applicants can often borrow up to 90% LVR, though terms improve significantly with 20% deposit or more, depending on income strength and documentation.

    Can I refinance as a self-employed borrower?

    Absolutely. Many self-employed clients refinance to lower rates, unlock equity, or restructure their loan with better terms once their business shows financial strength.

    What documents do I need?

    Typically, lenders require an active ABN, ID, income proof (tax returns or BAS), and business bank statements. Requirements vary depending on the lender and loan type.