Self-Employed Home Loans

Self-Employed? Your Paperwork Shouldn’t Lock You Out of the Market.

When you run your own show, your income doesn’t always come with a tidy, fortnightly payslip. Traditional banks love demanding years of perfect tax returns, which means many business owners, contractors, and freelancers get stuck at the first hurdle.

At Lendable, we understand that a complex tax structure or an unlodged return doesn’t change your ability to afford a home. With a Self-Employed Loan, we look past the red tape and use alternative, modern ways to prove your true borrowing power.

  • MORE THAN JUST A BROKER

What Is a Self-Employed Loan?

A Self-Employed loan is a mortgage designed specifically for self-employed Australians and small business owners.

“Self-employed” doesn’t mean no proof at all – it simply means we trade the traditional mountain of paperwork for alternative, real-time evidence of your business’s health.
Instead of old tax returns, a Self-Employed loan can be verified using:

Business Activity Statements (BAS): Showing your steady turnover and GST payments.

Business Bank Statements: Reflecting your actual day-to-day cash flow and income deposits.

An Accountant’s Declaration: A simple, signed letter from your accountant verifying your current financial position.

  • FIND A SOLUTION

The Self-Employed Advantage: Built for Free Thinkers

  • No Tax Returns Required: Perfect if you haven’t finalised your latest tax return or if heavy structural deductions don’t accurately reflect your real cash flow.
  • Speed and Agility: We skip the traditional back-and-forth bank delays by verifying your income using current, accessible business data.
  • Access Full Features: Choosing a Self-Employed loan doesn’t mean compromising on features. We find loans packed with agile options, including variable or fixed rates, offset accounts, and redraw facilities.

Why Choose Lendable for Your Self-Employed Loan?


We Know Which Lenders are Hungry

Major banks often default to a “no” for self-employed applicants. Because we are independent, we look far beyond the Big Four to find agile secondary and specialist lenders who actively want your business.


We Match Your Business Timeline

Whether your ABN has been active for years or you are a newly established business with 6 to 12 months of trading history, we know exactly where to position your application.


Completely Transparent

Self-Employed loans can sometimes carry stricter deposit requirements or slight rate loadings. We break down every single rate, fee, and requirement clearly upfront so you can make your move with absolute confidence.

Client Reviews

Buying a home is one of the biggest financial moves you’ll ever make, and we’re committed to making the process simple, strategic, and stress-free. From first home buyers getting into the market sooner to investors growing their portfolios with confidence, our clients’ reviews reflect what we stand for: clear advice, genuine support, and brokers who go the extra mile to make things happen.

Ready to Back Yourself?

Your business is thriving, and your property goals should be too. Let our team strip away the confusion and find the right loan for your needs.