Self-Employed Home Loan: Easier Approvals with Fundsie
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A Self-employed home loan doesn’t have to be complicated or stressful. At Fundsie, we’re your trusted Gold Coast mortgage broker specialising in self employed home loans for sole traders, contractors, freelancers, tradies, and small business owners across Queensland.
Lenders often require more proof of income stability—like 1–2 years of tax returns, Notices of Assessment, BAS statements, or profit/loss reports—and variable earnings can make approvals tougher. For unbiased guidance on what to expect when borrowing while self-employed, check out the government’s Moneysmart home loans guide, which covers key requirements and tips for all borrowers.
With our access to 60+ lenders (including flexible full-doc, low-doc, and specialist options), we find competitive rates and features tailored to your situation—even if your income varies or you’re recently established. No jargon, no unnecessary hurdles—just transparent advice to get you approved faster.
No confusing paperwork overload or pushy processes – just transparent, expert guidance to get you approved faster and on the best terms.
Ready to explore your self employed home loan options? Get your free, no-obligation assessment today. Call us or book a quick chat – we’ll handle the details so you can focus on growing your business.
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Challenges with A Self-Employed Home Loan – And How We Overcome Them
Being self-employed offers freedom, but it can make getting a home loan feel more complicated than for salaried workers. Lenders view variable or irregular income as higher risk, often requiring extra proof of stability – even with recent easing from major banks in 2025/2026.
Common hurdles include:
- Proving income stability — Most want 1–2 years of tax returns, Notices of Assessment, BAS statements, profit/loss reports, or bank statements showing consistent credits.
- Shorter trading history — If under 2 years self-employed, approvals get tougher (some lenders hesitate without solid history).
- Fluctuating earnings — Variable income (e.g., contractors/tradies) can limit borrowing power compared to steady PAYG salaries.
- More paperwork — Business financials, ATO docs, and sometimes accountant letters add steps.
- Higher rates/fees on some options — Low-doc or specialist loans (for less documentation) often sit at 6.24–6.49% p.a. variable, vs. mainstream ~5.34–5.59%.
At Fundsie, we specialise in self employed home loans on the Gold Coast and nationwide – with access to 60+ lenders (including flexible full-doc, low-doc, and recent Big Four tweaks like shorter income verification or better overdraft treatment). We assess your full picture (not just averages), use alternative verification where possible, maximise borrowing power, and handle the heavy lifting so you avoid rejections or delays.
No matter your setup – sole trader, freelancer, or business owner – we find the right fit at competitive rates.
Struggling with docs or unsure where you stand? Get your free self-employed home loan review today – we’ll outline clear paths forward.
Self-Employed? Here's How We Can Help
We offer tailored support for:
- Sole traders and contractors
- Company directors and trust structures
- Partnerships or family-run businesses
- New businesses with strong cashflow or low-doc evidence
Even if your income isn’t textbook, we can help structure a loan using:
- Business activity statements (BAS)
- Accountant declarations
- Interim financials or low-doc options
- A mix of PAYG and self-employed income streams
We’ll work with your accountant if needed and make sure your lender understands your true earning capacity.
Check Canstar’s guide to home loans for self-employed borrowers for more on documentation types
Common Scenarios We Work With
- Just launched your business in the last 12–24 months? Let’s chat.
- Declared less income for tax purposes? We’ll help you present your strongest financial case.
- Managing multiple income streams or ABNs? We know how to bring it all together.
- Struggling with traditional lender rules? We’ve got access to specialist non-bank lenders who understand self-employed borrowers.
- Looking for low-doc or alt-doc solutions — Limited traditional docs due to cash-based business or recent changes. We access specialist lenders (e.g., non-bank options) for competitive alternatives.
- Refinancing or upgrading while self-employed — Switching from an existing loan for better rates or accessing equity amid rising Gold Coast values.
Your Dream Home Starts Here
Take the first step toward your self-employed home loan. Explore mortgage options tailored to your needs.
Why Self-Employed Clients Choose Fundsie
We understand business
You're not a number on a spreadsheet. We take the time to get the full picture.
We know how to package your application
It's not just what you earn, it’s how you present it. We make sure lenders see your strengths.
We compare lenders who specialise in self-employed loans
From banks to boutique funders, we know who to approach (and who to avoid).
We help you gather the right documents
So you don’t get stuck in back-and-forth admin.
We keep things simple
No jargon, no judgment, just a smarter way to finance your goals.
Let’s Make It Happen
Whether you’re looking to buy your first home, refinance an existing property, or invest in your future—we’ll help you secure finance that respects your hustle.
Or book a call and let’s talk about how to turn your business income into a powerful borrowing strategy.
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- Burleigh Heads, QLD, 4220 ABN 33 635 257 831
