Learn About Self-Employed Home Loans
Self-Employed Home Loan Education
Understanding home loans can feel more complex when you’re self-employed. Income is assessed differently, documentation requirements can vary, and the process isn’t always clearly explained.
This section provides general educational information to help self-employed borrowers understand how the home loan process typically works and how to prepare — before speaking with an appropriately licensed professional.
Where to start
Understanding the Self-Employed Home Loan Process
A good place to begin
A high-level overview of how home loans generally work for self-employed borrowers, why assessment differs from PAYG income, and why preparation matters.
Explore specific topics
How Self-Employed Income Is Assessed
Learn how lenders typically view self-employed income, including why business structure, consistency, and financial history matter — and why policies can differ.
What to Prepare Before Speaking With a Broker
Understand what information is commonly requested, how being organised can help future conversations, and what preparation usually involves.
Common Mistakes Self-Employed Borrowers Make
An overview of common misunderstandings and avoidable issues that can lead to delays or confusion for self-employed applicants.
Helpful resources
If you’re looking for practical tools or ongoing reading, you may also find these useful:
- Free Self-Employed Home Loan Checklist
- Planning tools and calculators (stamp duty, savings, budgeting)
- Blog articles covering related topics
(These should link to your Resources section.)
Free Self-Employed Home Loan Checklist
Some common assumptions include:
- “If my business is profitable, approval is automatic”
- “All lenders assess self-employed income the same way”
- “More income always equals better outcomes”
In reality, assessment methods, documentation requirements, and policies vary significantly.
Planning tools and calculators
Education and preparation come first.
When you’re ready for personalised advice, speaking with an appropriately licensed mortgage broker or lender ensures:
- Your circumstances are assessed properly
- Regulatory obligations are met
- Advice is tailored to your situation
Blog articles and guides
If you’re self-employed and unsure where to start, education is often the most helpful first step.
Next Steps:
Prefer to keep learning first?
Explore our self-employed home loan education