Why do self-employed borrowers need a different approach?

Not all lenders assess self-employed income the same way. Some are flexible, others are not. Solstice Finance matches you with lenders who understand your structure, presents your income in the most favourable way, and helps you avoid common mistakes that delay or derail applications.

How can self-employed income be verified?

Depending on your situation, income can be verified using: full financials (tax returns and financial statements), BAS (Business Activity Statements), bank statements, accountant's declarations, or payslips if you pay yourself a salary.

What is the biggest mistake self-employed borrowers make?

Trying to go directly to the bank without guidance. Common mistakes include providing too much information, providing the wrong information, or accidentally weakening their own application. Once something is submitted to a lender, it can't be unseen and this can impact your outcome.

What documents are needed for a self-employed home loan application?

Lenders typically request: ABN registration (usually 12+ months), tax returns (up to 2 years), Notice of Assessment (ATO), BAS statements (up to 12 months), bank statements (personal and/or business), proof of GST registration (if applicable), identification documents, and rental income evidence (if applicable).

Self Employed Home Loans Bunbury | Mortgage Broker South West WA

Why self-employed borrowers need a different approach

When you’re PAYG, your income is straightforward.

When you’re self-employed?
It’s more complex—and that’s where many applications fall over.

Not all lenders assess self-employed income the same way. Some are flexible. Others are not.

That’s where we come in.

We:

Match you with lenders who understand your structure
Present your income in the most favourable way
Help you avoid common mistakes that delay or derail applications

‍

Book a free consultation with Solstice Finance

It’s not about whether you qualify—it’s about how your story is told to the lender.

How we can verify your income and mistakes to avoid

There are more options available than most people realise.

Depending on your situation, we may be able to use:

Full financials (tax returns + financial statements)
BAS (Business Activity Statements)
Bank statements
Accountant’s declarations
Payslips (if you pay yourself a salary)

We’ll guide you through exactly what’s needed—no guesswork.

Book a free consultation with Solstice Finance

The biggest mistake self-employed borrowers make

Trying to go directly to the bank without guidance.

We often see clients:

Provide too much information
Provide the wrong information
Accidentally weaken their own application

Once something is submitted to a lender, it can’t be “unseen”—and this can impact your outcome.

Our approach

We prepare your application properly from the start—so it’s clear, strategic, and lender-ready.

Book a free consultation with Solstice Finance

What documents you may need

For a full application, lenders will typically request:

ABN registration (usually 12+ months)
Tax returns (up to 2 years)
Notice of Assessment (ATO)
BAS statements (up to 12 months)
Bank statements (personal and/or business)
Proof of GST registration (if applicable)
Identification documents
Rental income evidence (if applicable)

Don’t worry—we’ll guide you through exactly what applies to you.

Loan options based on your structure

Your borrowing capacity and loan options can vary depending on how your income is structured.

Company structure

If you operate through a company, there are often more options than you might expect.

We can potentially:

Use director’s wages (with minimal history)
Work with lenders who may ignore company debt
Use 1 year of financials (not always 2)

Access low doc or alternative income verification options

The right lender policy can make a significant difference to your borrowing capacity.

Book a free consultation with Solstice Finance

Sole trader or partnership

This is typically more straightforward.

We:

Use your net income from tax returns
Apply add-backs (like depreciation and interest)
May be able to exclude certain debts with the right lender

Trust structures

Trusts can be more complex—but absolutely workable.

We can:

Follow income distribution (money trail)
Or assess based on ownership structure

This allows us to tailor the application to your situation.

Why clients choose Solstice Finance

We take a different approach.

Personalised, one-on-one guidance
Deep understanding of self-employed lending
Access to a wide range of lenders
Clear, honest advice
Ongoing support beyond settlement

Book a free consultation with Solstice Finance

What it’s like to work with us

We start with a conversation about your goals
We review your financials and structure
We design a strategy tailored to you
We secure pre-approval
We guide you all the way through to settlement

Megan was fantastic. From the time I contacted her to the time of settlement was an astonishing 3 weeks. Cannot recommend highly enough.

Lauren

Home Loan Refinance

“Kylie assisted my business partner and me in securing a commercial loan for a new business acquisition. Her communication—and that of her team—was exceptional, which made a significant difference in getting the deal finalised in time for settlement. Through her strong relationships with multiple banks, Kylie ensured we secured a highly competitive deal with the right relationship manager. We’re extremely pleased with both the outcome and the efficiency with which she arranged the finance. We will definitely be recommending Kylie and look forward to working with her again in the future.”

Steve

Commercial Purchase

“I have just had the help of Kylie and the team at Solstice finance in order to secure a new loan. It was a very easy-going and efficient process. I will definitely be using solstice finance again with any upcoming finance needs.”

Digby

Home Loan Refinance

Ready to explore your options?

If you’re self-employed and thinking about buying, the best first step is a conversation. Let's map out your options and put a plan in place.

Book a free consultation with Solstice Finance

Or send us a message and a team member will be in touch soon.

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Self-Employed Home Loans

**Yes—you can get approved (with the right strategy)**

There’s a common misconception that being self-employed makes it difficult to get a home loan. The truth? It’s absolutely possible—you just need the right approach and the right lender.

At Solstice Finance, we work with business owners, sole traders and contractors every day. We understand how to present your income clearly and position your application in a way that gives you the best chance of approval.

Why self-employed borrowers need a different approach

When you’re PAYG, your income is straightforward.

That’s where we come in.

‍

How we can verify your income and mistakes to avoid

There are more options available than most people realise.

The biggest mistake self-employed borrowers make

Our approach

We prepare your application properly from the start—so it’s clear, strategic, and lender-ready.

What documents you may need

Loan options based on your structure

Your borrowing capacity and loan options can vary depending on how your income is structured.

The right lender policy can make a significant difference to your borrowing capacity.

Sole trader or partnership

Trust structures

Why clients choose Solstice Finance

We take a different approach.

Ready to explore your options?