[{"@context":"https:\/\/schema.org\/","@type":"BlogPosting","@id":"https:\/\/truthgroup.com.au\/2025\/05\/13\/how-to-get-a-homeloan-when-self-employed\/#BlogPosting","mainEntityOfPage":"https:\/\/truthgroup.com.au\/2025\/05\/13\/how-to-get-a-homeloan-when-self-employed\/","headline":"How to get a homeloan when Self-Employed?","name":"How to get a homeloan when Self-Employed?","description":"Here\u2019s How to Get a Home Loan Being self-employed gives you freedom, flexibility, and the potential to grow your own success \u2014 but when it comes to applying for a home loan, it can feel like you\u2019re being put in the \u201ctoo hard basket.\u201d If you run your own business, you\u2019ve probably already been told \u2026 Read: How to get a homeloan when Self-Employed?<\/a>","datePublished":"2025-05-13","dateModified":"2025-05-13","author":{"@type":"Person","@id":"https:\/\/truthgroup.com.au\/author\/nicholasparpistruthpropertycomau\/#Person","name":"Nicholas Parpis","url":"https:\/\/truthgroup.com.au\/author\/nicholasparpistruthpropertycomau\/","identifier":216551164,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/f6058d552df68dbaf53120d13f9e89fc9834e3e1ba22039065b40df84bd9df29?s=96&d=identicon&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/f6058d552df68dbaf53120d13f9e89fc9834e3e1ba22039065b40df84bd9df29?s=96&d=identicon&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"Truth Group Pty Ltd","logo":{"@type":"ImageObject","@id":"https:\/\/truthgroup.com.au\/wp-content\/uploads\/2026\/02\/TRUTH-GROUP-2.png","url":"https:\/\/truthgroup.com.au\/wp-content\/uploads\/2026\/02\/TRUTH-GROUP-2.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/i0.wp.com\/truthgroup.com.au\/wp-content\/uploads\/2025\/05\/image-2.png?fit=1024%2C768&ssl=1","url":"https:\/\/i0.wp.com\/truthgroup.com.au\/wp-content\/uploads\/2025\/05\/image-2.png?fit=1024%2C768&ssl=1","height":768,"width":1024},"url":"https:\/\/truthgroup.com.au\/2025\/05\/13\/how-to-get-a-homeloan-when-self-employed\/","about":["Latest Post"],"wordCount":493,"articleBody":"Here\u2019s How to Get a Home LoanBeing self-employed gives you freedom, flexibility, and the potential to grow your own success \u2014 but when it comes to applying for a home loan, it can feel like you\u2019re being put in the \u201ctoo hard basket.\u201dIf you run your own business, you\u2019ve probably already been told it\u2019s harder to get finance. That\u2019s only half true.The key is knowing how to present your income and structure your loan correctly \u2014 and that\u2019s exactly where I help.\u2705 Why It\u2019s Different for the Self-EmployedLenders don\u2019t see self-employed applicants the same way they do PAYG workers. Instead of regular payslips, they need to assess your business income, expenses, and consistency over time.What they\u2019re really asking is: Can this person reliably meet repayments even if business income fluctuates?\ud83d\udcc1 What You\u2019ll NeedHere\u2019s what most lenders typically look for:2 years of tax returns (both personal and business)2 years of Notice of Assessment from the ATOBusiness Activity Statements (BAS) \u2013 sometimes required if your latest tax return isn\u2019t readyA strong deposit \u2013 usually 10\u201320% or more, depending on your situationGood credit history \u2013 this helps offset any income irregularitiesTip: Some lenders will accept 1 year of financials, depending on your industry and loan amount. I have access to lenders that offer this. So if that\u2019s your scenario, let\u2019s chat.\ud83e\uddfe Low Doc Loan OptionsIf your financials aren\u2019t up to date, or you\u2019ve only recently become self-employed, you might still qualify for a low doc loan. These loans allow you to verify income using:An accountant\u2019s letterBAS statementsBusiness bank statementsGST registration documentsThey often come with higher interest rates, but they can be a stepping stone to full-doc finance later.\ud83e\udde0 Strategy Matters More Than EverWhen you\u2019re self-employed, the loan structure must work for you \u2014 not the other way around.Whether you want to:Buy your first homeRefinance to get a better rateAccess equity to invest in propertyOr grow your portfolio…I\u2019ll help you build a plan that fits your goals, your income structure, and your tax position. It’s not just about getting approved \u2014 it’s about making the loan work in your favour.\ud83d\udcac Let\u2019s Make It EasierAt\u00a0Truth Group, I speak your language \u2014 and more importantly, I speak the banks\u2019 too.If you\u2019re self-employed and unsure where to start, reach out. I\u2019ll help you:Understand your borrowing capacitySelect the right lender (who understands self-employed clients)Get your documents in orderAnd give you honest advice, every step of the wayReady to make a move?Let\u2019s chat about your numbers and what you can borrow \u2014 no obligation.\ud83d\udcde Contact Truth Group or call direct and let\u2019s make your next property move a reality."},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"2025","item":"https:\/\/truthgroup.com.au\/2025\/#breadcrumbitem"},{"@type":"ListItem","position":2,"name":"05","item":"https:\/\/truthgroup.com.au\/2025\/\/05\/#breadcrumbitem"},{"@type":"ListItem","position":3,"name":"13","item":"https:\/\/truthgroup.com.au\/2025\/\/05\/\/13\/#breadcrumbitem"},{"@type":"ListItem","position":4,"name":"How to get a homeloan when Self-Employed?","item":"https:\/\/truthgroup.com.au\/2025\/05\/13\/how-to-get-a-homeloan-when-self-employed\/#breadcrumbitem"}]}]