Tailored Lending Solutions for Business Owners

Being self-employed comes with freedom and a few extra hoops when applying for a home loan. At Haus of Loans, we specialise in helping business owners, contractors and entrepreneurs access to competitive finance with smart structures that reflect how they actually earn.

If you've ever been told "you don't qualify" by a bank, don’t worry, we may have other lender who you do qualify with.

Why It’s Harder for the Self-Employed

Banks often assess self-employed income conservatively. Even if your business is thriving, things like:

• fluctuating income,

• reinvested profits, or

• smart tax minimisation strategies

These can make it harder to prove serviceability. However, with the right documentation and presentation, you may have more options than you think.

What We Look At

We help you present your income in the best light possible. This may include:

• Two years of tax returns and ATO assessments

• Business activity statements (BAS)

• Business and personal bank statements

• Profit and loss statements

• Company financials or trust structures

• Add-backs for non-cash or one-off expenses

We tailor the approach based on how your income is structured and work with lenders who understand the self-employed world.

Low Doc Loan Options 

For those who don’t have full financial documentation, a Low Doc Loan can be the answer. These loans are designed for self-employed borrowers who can demonstrate their income using: 

• BAS statements 

• Business bank statements 

• Accountant declarations 

Low Doc Loans offer flexibility while still being structured to meet your financial needs. We’ll guide you through the process, ensuring you meet lender requirements without unnecessary hassle. 

Who We Work With

• Sole traders

• Contractors with ABNs

• Company directors or trust owners

• Tradies running small businesses

• Professionals with multiple income streams

What You Can Use a Self-Employed Loan For

• Buying a new home

• Purchasing an investment property

• Refinancing to a more suitable loan

• Consolidating business and personal debts

• Accessing equity for renovations or business expansion

Frequently Asked Questions

Q: Do I need two years of tax returns to apply?
A: Ideally, yes, but some lenders accept one year or alternative documents. We’ll find a solution based on your situation.

Q: I pay myself irregularly will that hurt my chances?
A: Not necessarily. We work with lenders who understand how business owners manage cash flow, and we structure your application accordingly.

Q: Can I borrow as much as a PAYG borrower?
A: With the right setup and documentation, yes. You may even have more borrowing capacity once we factor in add-backs.

Q: What if I’ve just gone out on my own?
A: If you don’t yet meet full-doc requirements, a low doc or specialist loan may be an option until your business history grows.

Let’s Make It Work for You

Your income might be complex, but your loan doesn’t have to be.
We specialise in lending for self-employed professionals and we’re here to help you get the finance you deserve, without the run-around.

There’s nothing unusual about being self-employed. You just need a broker who knows what to do with it.