Introduction

Being your own boss is great – you set your hours, choose your projects, and run your own show. But when it comes to buying a house, things can get tricky. Lenders like to see regular pay, which doesn’t always happen if you’re self-employed.

That’s where home loans for self employed come in. At SGS Mortgages, we help Aussies like you get a loan without all the stress. We look at your whole financial picture, not just your pay slips, so you can finally get the keys to your own home.

How It Works for Self-Employed Aussies

Getting a loan as a business owner isn’t that different – it just takes a few extra steps. Here’s how it usually goes:

Chat with a broker about what you need.
Show a couple of years of tax returns and bank statements.
We match you with lenders who get self-employed borrowers.
Paperwork is handled by us.
You get approved and can start house-hunting.

Check out our services page to see more.

Why It’s Worth It

Flexible Income Assessment: Lenders look at your business records, not just monthly pay.
Good Interest Rates: Being self-employed doesn’t automatically mean higher rates.
Tailored Loans: Options that suit your business and lifestyle.

Real-Life Example

Jane runs a small business in Melbourne. Some months are great, others slower. She thought a home loan was impossible. After SGS Mortgages helped her gather her financial documents, she got approved within a month. Now she owns a home close to her shop.

Conclusion & CTA

Being self-employed doesn’t have to stop you from owning a home. SGS Mortgages makes it simple, personal, and realistic.

Want to get started? Contact SGS Mortgages for a free chat about your options today.

FAQs

Q1: Can self-employed people get home loans?
Absolutely. With proper documents like tax returns and bank statements, lenders can approve your loan.

Q2: What do I need to show the lender?
Usually 2 years of tax returns, bank statements, and proof of your income.

Q3: Will I pay more interest because I’m self-employed?
Not necessarily. With solid documents and proof of steady income, rates can be similar to salaried workers.

Home Loans for Self Employed: How Aussie Business Owners Can Get Approved