Self Employed Home Loans

work from home
Apply for a self-employed home loan online with Finwise. With over 30 trusted home loan lenders, we can offer you the suitablerate without leaving the house.
Often, when self-employed, it can be slightly more difficult to get approved for a home loan because many banks see this as a high-risk borrower, but this doesn’t mean it’s not possible. Finwise can help you if you’re a self employed individual find a home loan that will get you into your new home faster.

Our Home loan application process

The process to get your home loan can be broken down to six simple steps.

  1. Apply online or talk to one of our expert home loan brokers
  2. Get pre-approval with your preferred lender
  3. Go property hunting and find your new home
  4. Finalise your finance to get formal approval
  5. Settlement
  6. Move into your new place

Get a Sole Trader Home Loan with Finwise

With over 30 trusted home loan home loan lenders, be sure to find the most suitable self-employed home loan interest rate to suit your situation.

Frequenty Asked Questions

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Can self employed individuals get a home loan?
Yes, you can get a loan as a self-employed individual and we have access to over 30 trusted lenders of which we can find you the most suitable loan option.
What are add backs and how do I use them?
Add backs help increase the income the bank will use to determine if you are eligible for a loan. These include; car allowances, interest that is being refinanced, non-recurring expenses, depreciation and excess superannuation contributions.
How many years do I need to be self-employed to qualify for a loan?

Generally banks will be looking for 2 years’ evidence of stable income during your self-employed tenure, however there are other factors that will be taken into consideration.

Want to speed up the process of buying your home?

Apply for a self-employed home loan online with us today!