Self Employed Home Loans
Tailored Lending for Sole Traders, Contractors, and Business Owners. Being self-employed shouldn’t mean getting stuck in the “too hard” basket. At XploreFS, we help you secure the home loan you deserve – even if your income is complex or your tax returns are still catching up.
Your Income’s Not the Problem - It’s How Lenders View It
Self-employed borrowers often earn solid income – but when it’s wrapped up in ABNs, company structures, fluctuating invoices, or newer businesses, traditional lenders struggle to assess it. That’s where we come in.
At XploreFS, we know how to package your finances so lenders see what you’re really earning. Whether you’re a sole trader, company director, contractor or freelancer, we’ll guide you through the best loan options, including lenders who accept alternative documentation.
You don’t need to bend your business into PAYG shape – you need a broker who gets how business works.
Low Doc Loans for High-Achieving Clients
If you don’t have two full years of tax returns — or your returns don’t reflect your actual cash flow — we’ll explore Low Doc Home Loans.
These lenders accept alternative documents like BAS statements, business bank statements, or an accountant’s letter to verify income. And they’re not just fringe lenders either — some are major banks with dedicated self-employed policies.
We’ll help you access finance now, without waiting years or reworking your accounts.
Your Broker Should Think Like a Business Owner
James has built businesses himself – including in property and e-commerce – and understands the realities of self-employment. That means he brings more than compliance knowledge; he brings commercial instinct.
We’ll advise on not just loan selection, but how to structure your finances to stay agile, claim deductions smartly, and still get approved. From income verification to loan offsets and long-term investment strategy, you’re not just getting a loan – you’re getting a lending partner who understands your world.
Fast, Flexible, and Focused on You
When you’re running a business, time is your most valuable asset. That’s why we keep the process streamlined – handling the heavy lifting while keeping you updated every step.
From document collection to lender negotiation, we move quickly and communicate clearly. You won’t get ghosted, and you won’t be left wondering where things stand.
We’re here to get you the right loan, with zero runaround.
Frequently Asked Questions About Self-Employed Home Loans
How long do I need to be self-employed to qualify for a home loan?
Some lenders require two years, but others accept 12 months with strong supporting documents. If you’ve recently switched from PAYG in the same industry, that can help too.
What interest rates apply to self-employed borrowers?
Rates are competitive – often the same as standard loans if your documentation is solid. For Low Doc loans, the rate may be slightly higher, but we’ll help you compare your options side by side.
Can I get pre-approved as a self-employed borrower?
Yes – and it’s highly recommended. Pre-approval helps clarify your borrowing power and positions you strongly when you’re ready to buy. We can help you get it sorted with minimal paperwork.
What if my accountant minimises my taxable income?
We see this all the time. We’ll work with your accountant to find the right balance between tax efficiency and lender confidence – and explore lenders who look beyond net profit alone.