Self-employed and want a home loan? Start here
Running your own business should count in your favour. With the wrong lender it feels like a penalty. The fix is knowing how each lender reads self-employed income, and choosing accordingly.
Lenders do not read you the same way
Some want two years of tax returns, some accept one. Some add back certain expenses to lift your assessable income, others ignore them. The same business can look strong to one lender and shaky to another. That is the whole game.
Get your numbers presentation ready
A clean application wins. We get your tax returns and financials in order, identify the add backs that genuinely apply, and present a clear, confident picture. Messy paperwork is the most common reason a good borrower gets a soft no.
Match, then apply
Being independent, I can take your real figures to the lender most likely to give a fair yes, rather than hoping one bank happens to suit you. You get the real number up front, before you start house hunting, not after a knock back.
A clean application wins.
If any of this is sitting on your mind, the fastest way through is a short chat. No cost, no pressure.