Self-Employed Home Loans Melbourne
Your taxable income rarely tells the whole story. We compare 60+ lenders to find one that assesses your business income the way it actually earns.
“He was highly recommended, and the way he works is fantastic”Simone C.
Home Loans That Match How Your Business Earns
Banks often assess self-employed borrowers on taxable income alone, so every legitimate deduction your accountant claimed shrinks what you can borrow. Each lender has its own rules on years of tax returns, add-backs and alternative documents.
Lifestyle Loans compares those rules across more than 60 lenders and matches your business to a lender whose policy fits, before an application or credit enquiry goes anywhere.
- ✓Sole traders, contractors, partnerships, companies and trusts
- ✓Full doc, one-year and low doc options compared
- ✓Add-backs such as depreciation and one-off costs considered
- ✓Support from your first call through to settlement
How Lenders Assess Self-Employed Income
The policy you are assessed under decides how much you can borrow.
Full Doc
Usually two years of personal and business tax returns with ATO notices of assessment. It opens the widest range of lenders and rates.
One Year of Tax Returns
Some lenders assess a single year of returns and financials, which can suit a newer or growing business and bring a purchase forward.
Add-Backs
Depreciation, one-off expenses, extra super contributions and interest on debts being paid out can be added back to your income.
Low Doc and Alt Doc
If your returns are not ready, some lenders accept BAS, an accountant's declaration or business bank statements. Some lend up to 95% of the value with mortgage insurance or a risk fee.
Want a first estimate? Check your borrowing power
Why Self-Employed Clients Choose Lifestyle Loans
Policy Matched First
We check each lender's policy against your documents before you apply, so your application goes where it fits.
60+ Lenders
Major banks and specialist lenders, including one-year and low doc options.
Fewer Credit Enquiries
One well-placed application instead of several, which protects your credit file.
Add-Backs Worked Out
We find the depreciation, one-off costs and other add-backs that lift your assessable income.
We Work With Your Accountant
We can talk to your accountant directly about your financials and how lenders will read them.
A Family Business Too
Family owned since 2000, so we know how business income really moves.
Your Self-Employed Home Loan Journey
A simple process from your first enquiry to a settled loan.
Book A Call
Tell us how your business is set up and what you want to buy or refinance.
Review Your Numbers
We work out your assessable income, including add-backs.
Match the Lender
We shortlist lenders whose policy suits your documents and structure.
Get Approved
We prepare and lodge the application with one lender, not five.
Settle
We manage the loan through to settlement and beyond.
Book A Call
Tell us how your business is set up and what you want to buy or refinance.
Review Your Numbers
We work out your assessable income, including add-backs.
Match the Lender
We shortlist lenders whose policy suits your documents and structure.
Get Approved
We prepare and lodge the application with one lender, not five.
Settle
We manage the loan through to settlement and beyond.
What Our Clients Say
Here is what clients had to say about their experience with Lifestyle Loans.
Lar
“The team made our process for finding a lender very easy and stress free”
Sophie L.
“He set out different mortgage options for us clearly, and patiently answered all our questions.”
Ruben R.
“Michaels customer service was exceptional, guided and assisted me the whole way through making it easy to understand and purchasing a home a lot easier than i thought.”
Self-Employed Mortgage Brokers in Melbourne
Being self-employed does not make you a weaker borrower. It makes you a borrower whose income needs reading properly. Two business owners with the same profit can get very different answers from different banks, because one averages two years, another uses the latest year, and a third ignores the add-backs your accountant would point to.
Lifestyle Loans works with sole traders, tradies, contractors, consultants and company directors across Melbourne. We look at your tax returns, BAS and financials the way a lender will, then choose a lender whose policy fits before you apply. That keeps unnecessary enquiries off your credit file and gives your application its strongest chance the first time.
Full doc loans usually offer the widest choice of lenders and sharper rates. One-year and low doc options can help a newer business or one whose returns are not lodged yet, and some low doc lenders still go up to 95% of the value with mortgage insurance or a risk fee. We explain the trade-offs in plain language so you can decide with your accountant.
Self-Employed Home Loan FAQs
Find the Lender That Fits Your Business
Tell us how your business earns and we will match you with lenders whose policy suits it, before you apply anywhere.