Lenders who read your income the way it works.
Self‑employed income can be assessed very differently from one lender to another. The same figures can produce quite different answers for a sole trader, contractor, company director or tradie. We know which lenders accept one year of financials, add back depreciation, or offer sensible low‑doc options.
How we help
If part of your income is overtime, allowances or commission rather than business profit, lenders read it differently again.
Assessed properly, not penalised.
Some accept one year of financials, some add back depreciation. Choice decides.
Two years full‑doc, one year, accountant declarations or BAS.
Sole traders, contractors, company directors and tradies.
Common questions
Can I get a home loan with only one year of financials?
Often, yes, several lenders accept one year, and some will work from BAS or an accountant’s declaration. The rate and deposit requirements vary, which is where comparison earns its keep.
What is a low-doc or alt-doc loan?
A loan assessed on alternative evidence of income. BAS, bank statements or an accountant’s letter, rather than full financials. Useful and legitimate, but priced differently, so it’s a considered choice.
Can self-employed buyers use the first home buyer schemes?
Yes, being self-employed doesn’t exclude you from the 5% deposit scheme or stamp duty concessions. The lender still needs to be satisfied about your income, which is where we come in.
Start with a conversation.
Twenty minutes with Charles is usually enough to know the right path, and what it will cost.