Self-Employed Home Loans

Get more from your Home Loan

Self-Employed Home Loans

Small company owners and self-employed people are essential to a healthy economy, yet many lenders are hesitant to lend to self-employed people. At Smart Mortgage Finance, we take a different approach to things and hunt for loans and solutions tailored to the self-employed.

Self-Employed Home Loan Criteria

Purchasing a car is, for the vast majority of us, the second greatest cost we have after purchasing a home. Car loans differ depending on whether you’re buying a new or used car, and whether you’re buying from a dealer or a private seller. Our specialists can advise you on your existing repayment ability and help you choose the best loan term for you. The majority of lenders’ requirements need you to have been self-employed for at least two to three years to be eligible for a self-employed house loan.

Some people, on the other hand, have only been self-employed for a year. If you’ve been self-employed for less than a year, you’ll find that there aren’t many lenders prepared to lend to you, restricting your alternatives. This is owing to the fact that you have not received your tax returns and hence have no method of proving your income, as well as the fact that new businesses face greater financial uncertainty.

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How many Loans am I eligible for?

The loan amount and interest rates are affected by the purpose of the loan, as well as whether the mortgaged property is owner-occupied or an investment property. If you have been self-employed for at least two years, you may be eligible for a loan of up to 90% of the value of your home. You may borrow anything from $100,000 to $1.5 million, depending on your loan-to-value ratio.

Our professionals at Smart Mortgage Finance can help you find the right loan, at the right rate, with the right features and alternatives for your business.


Some of the brokers associated with us have access to 35 lenders across Australia.

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(02) 8007 4752