Self-employed guides

Self-employed home loan guides for income and documents

Explain how the business earns income and prepare the records, debts, expenses and recent changes a lender may need to assess.

Self-employed home loan guide: prepare the income story

Use this before a home loan conversation if your income comes through a sole-trader, contractor, company or business-owner structure.

Documents

Tax returns, BAS, bank statements, accountant notes, debts, and business liabilities need context before a broker compares lenders.

2 guides

Approval7 min read

A practical checklist of document areas commonly reviewed before a home loan application.

Refinance7 min read

Prepare the current loan, income, property, debt and identity details commonly needed for a refinance review.

Review options

Self-employed borrowers can look different across lender policies, so calculators and broker checks need to work together.

3 guides

Broker education7 min read

Compare speaking directly with one bank against having a mortgage broker review lenders available on their panel.

Refinance8 min read

A direct refinancing guide for reviewing your current loan, checking costs, comparing options, and deciding whether to speak with a broker.

Loan review8 min read

A guide to reviewing your current home loan after rate changes, income changes, fixed-rate expiry, renovations, or new property goals.

Calculators

Model the numbers here, then ask a broker to check the lender policy, fees and assumptions behind them.

Next step

These guides are general information. emoney can review your goal, lender options and documents before you make a loan decision.