Specialist self-employed lending

Home loans for self-employed Australians

Show the strength of your business without forcing your income into an employee-shaped box.

Talk with Charles ↗See common questions ↓

The essentials

Running a business can make a standard home-loan application feel harder than it should. Taxable income may not tell the whole story after legitimate deductions, a growing business may have uneven cash flow, or the latest financial year may not reflect how the business performs today.

Charles helps you organise the real story behind your numbers, identify the documentation you can provide and compare suitable full-doc, low-doc and alt-doc pathways.

What can support an application?

You do not need every item below. Charles can help identify the documents relevant to your situation and the lender being considered.

Recent business bank statements
BAS statements
Profit and loss reports
An accountant’s declaration
Tax returns and financial statements, when available

Why explore it

Potential benefits

Options for owner-occupied homes and investment properties
Potential to refinance or consolidate eligible debts
Principal-and-interest and interest-only structures may be available
Assessment that considers how your business actually operates

Go in informed

What to consider

Your ABN and GST-registration history may matter
Lenders can assess business turnover, expenses and account conduct differently
A larger deposit or different pricing may apply when fewer documents are supplied

How Revive helps

A clearer route from questions to application.

Understand

Talk through your goals, business, income, assets and credit position.

Prepare

Identify useful documents and shape a clear, supportable application story.

Compare

Review suitable lender pathways, costs, trade-offs and next steps.

Common questions

What people ask Charles.

These answers are general. Your available options depend on your circumstances and lender policy.

Can I get a home loan if I am self-employed?

Yes. The right pathway depends on how long you have traded, your business structure, income evidence, deposit, credit history and the property. A specialist can compare standard and alternative-documentation lenders.

Do I need two years of tax returns?

Not always. Some lenders can consider one year of financials or alternative evidence such as BAS and business bank statements. Requirements vary by lender and application.

What if my taxable income looks low?

A lender may consider add-backs or more recent business performance where policy allows. The aim is to present a clear, supportable picture—not simply the lowest number on a tax return.

Can I refinance business debt into my home loan?

It may be possible to consolidate eligible debt, but the purpose, security, costs and long-term interest impact need careful review.

Your situation is allowed to be complicated

Start with a conversation, not an application.

Charles can help you work out which pathway deserves a closer look—without forcing a fit.

Talk with Charles ↗

Home loans for self-employed Australians

What can support an application?

Potential benefits

What to consider

A clearer route from questions to application.

Understand

Prepare

Compare

What people ask Charles.

Other financing pathways

Alt-doc home loans

Low-doc home loans

Asset-based lending

Home loans after credit problems

Start with a conversation, not an application.