Free 2-minute check

Self employed? Your income is not the problem. The paperwork is.

Banks are not against self employed borrowers, they are against surprises. Most knockbacks happen because the file was assembled in the wrong order, not because the income was not there. Tick what you already have sorted and we will tell you what a lender will actually ask for from your situation, and which lenders read self employed income generously instead of fearfully.

Tick what you have sorted

My tax returns are lodged and up to date (the single biggest holdup) I have two years of business financials, or I know the low-doc alternatives exist I know what addbacks are and roughly what my real assessable income looks like I know how my structure (sole trader, company, trust) changes what lenders see My deposit or equity position is clear, including where it came from My personal credit file is clean, and I have actually looked at it My accountant could produce what a lender asks for without a three week scramble

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Self employed? Your income is not the problem. The paperwork is.

On it.