Self-Employed Home Loans in Geelong & Surf Coast
Getting a home loan when you own a business is different, but it isn’t harder once it’s structured properly.
Most business owners who contact me can afford a loan. The problem is lenders don’t always understand how their income works. Company profits, trust distributions, drawings and deductions often make tax returns look lower than your real earning capacity.
I help self-employed borrowers across Geelong and the Surf Coast present their income correctly, choose the right lender, and avoid unnecessary declines.
Whether you run a company, operate through a trust, or have multiple income sources, the goal is simple: show lenders your real financial position clearly.
How Lenders Assess Self-Employed Income
Lenders assess business owners differently to PAYG employees. Instead of payslips, they review business financials and try to determine whether your income is stable and sustainable.
They consider:
your business structure
how you pay yourself
how long you’ve been operating
business performance trends
This is why many self-employed borrowers are declined by a bank but approved elsewhere. Different lenders interpret business income differently.
I work with you and your accountant to present your income in a way lenders understand and match you with lenders suited to complex income scenarios.
Ways Your Income Can Be Assessed
Full Doc, Low Doc & Alternative Documentation Loans
Not every business owner fits a traditional application. There are multiple ways to assess income depending on your situation.
Full Documentation Loans
Suitable when tax returns reflect your actual income. Usually the lowest rates and most common option for established businesses.
Low Doc Loans
Use BAS statements or accountant declarations instead of full financials. Often helpful if your structure recently changed or your tax strategy reduces taxable income.
Alt Doc / Bank Statement Loans
Use trading account statements to demonstrate cash flow rather than tax returns. Useful where deductions significantly reduce reported income.
Choosing the right option isn’t about finding “a lender”, it’s about using the assessment method that best reflects your true capacity.
Common Situations I Help With
I regularly help business owners who:
operate through a company or trust
have variable or seasonal income
recently changed business structure
earn income from multiple sources
show low taxable income due to deductions
were told “no” by their bank
Often the issue isn’t serviceability, it’s how the application was structured.
What You’ll Need
Most self-employed home loan applications require financial information rather than payslips. Exact documents depend on the loan type and lender.
I provide a tailored checklist and coordinate with your accountant so everything is prepared before applying. This reduces delays and greatly improves approval chances.
Why Work With Me
Business owners don’t need another application form. They need clarity.
I specialise in complex income lending and work directly with your accountant to present your financial position properly. I also recommend lenders based on policy, not just rates, so the application fits your situation from the start.
I explain the options clearly so you understand what you’re committing to before you sign anything.
Ready to Apply for a Self-Employed Home Loan?
If you're buying, upgrading or refinancing, we’ll start with a conversation about your business structure and goals. I’ll outline what lenders will look for and how to approach the application.