Self-Employed Loans

Home loans that understand business income

Running your own business shouldn't make buying a home harder — but banks built their processes around payslips. Self-employed income needs translating: add-backs, retained profits, company structures, and the story behind a COVID-year dip. This is where Influx is genuinely different — our brokers and our accounting arm work on your application together.

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Who this is for

Business owners with company or trust structures
Sole traders, contractors and freelancers
Self-employed buyers knocked back because "the financials were too hard"
Business owners whose taxable income understates their real position

The usual sticking points

Your tax return works against you

Good accountants minimise taxable income — then lenders assess you on exactly that number. Depreciation, one-offs and super contributions can be added back, but only if someone presents them properly.

Two years of financials isn't always there

Newly self-employed borrowers, or those with a strong recent year, can struggle with standard policy even when the business is thriving.

Every lender reads financials differently

Some average two years, some take the latest, some accept alt-doc declarations. The same business can support very different loan sizes depending on the lender.

How Influx helps

What we actually do about it

Broker and accountant, same team

Through OneHQ Accounting we understand your financials at the level a credit assessor does — and we can prepare accountant declarations and interim figures in-house when a lender needs them.

Income presented at its true strength

Add-backs identified, structures explained, and the lender chosen for how it treats your specific income pattern — latest year, averaged, or alt-doc.

A plan if the timing isn't right

If your financials genuinely can't support the loan yet, we'll tell you, and map what the next tax return needs to look like to get there.

Step by step

How the process runs

You'll know what's happening at every stage — this is the map.

1

Financials review

We review your returns and statements the way a lender will — before a lender does.
2

Borrowing power across lenders

Your capacity calculated under different lender policies, including alt-doc paths.
3

Lender selection

Chosen for income treatment first, then rate.
4

Application with the story told

We lodge with the context and documents that pre-empt assessor questions.
5

Settlement & tax alignment

Post-settlement, the accounting team keeps your finances lender-ready for next time.

Worth knowing

Key considerations before you start

Most full-doc lenders want two years of returns; some accept one strong year.
Alt-doc (low-doc) loans use accountant declarations or BAS instead of full financials, usually at slightly higher rates.
Company and trust structures are fine — but the lender must suit the structure.
Timing an application shortly after your tax return is lodged often maximises usable income.

The information on this page is general in nature and does not take your personal objectives, financial situation or needs into account. Consider whether the information is appropriate for your circumstances and seek advice before acting on it. Lending criteria, fees and charges apply to all loan products.

FAQs

Self-Employed Loans questions, answered

How many years of financials do I need?

Standard policy is two years of tax returns, but several lenders can work with one year, and alt-doc options exist where returns aren't ready. The trade-off is usually rate — we lay out each path.

What are add-backs?

Expenses in your returns that lenders agree don't reduce your real capacity — commonly depreciation, one-off costs, interest on debts being refinanced, and voluntary super above the minimum. Identifying them properly can lift your assessable income substantially.

I was declined by my bank. Is that final?

No. Banks apply their own policy to your financials. A different lender — or the same financials presented with proper add-backs and context — frequently produces a different answer.

Do alt-doc loans cost more?

Generally yes, moderately — the lender is accepting less documentation. Many clients start alt-doc and refinance to full-doc pricing once two clean years of returns exist.

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