Banks assess self-employed income differently, and often conservatively. Digital Finance Solutions compares 30+ lenders, including specialists who understand tradies, contractors, and small business owners. Same-day response.
Major banks apply conservative policies to self-employed income, they often use the lower of your last two tax returns, which can understate your actual borrowing capacity. We know which lenders look at the full picture.
ABN holders, sole traders, and contractors, we find lenders who assess your income correctly.
Company directors and small business owners with complex structures, we navigate lender policy for you.
Less than 2 years of returns? Some lenders accept bank statements or accountant declarations instead.
When you're self-employed, banks assess your income based on your tax returns, often using the lower of the last two years. If you've had a strong recent year but a lower prior year, or if you legitimately minimise tax through deductions, your taxable income can look much lower than your actual cash flow. This is the most common reason self-employed borrowers get declined or offered less than they need.
The solution isn't to use every lender, it's to use the right lender for your structure. Some lenders add back depreciation and one-off expenses. Some accept business bank statements instead of tax returns. Some offer home loans for self-employed borrowers with under 2 years of returns. We know which is which.
For a full overview of our home loan services, visit our mortgage broker services page.
Tell us your situation, we'll work out which lenders suit you best.