Self employed home loans in South West Sydney
Don't fit the "9 to 5" box? No stress. We help self-employed borrowers across Bankstown & South West Sydney get approved.
You work for yourself - now let's get a loan that works for you
You've got the income. You've got the track record. You've put in the work. But when it comes to applying for a home loan, the banks can treat self-employed people like a risk - or worse, like they don't fit the system at all.
At Infinity Mortgage Brokers, we know that being self-employed just means your finances are a little more complex - not less reliable. We know how to present your application, what lenders to approach, and how to get self-employed borrowers across Bankstown and South West Sydney over the line with minimal stress.
Is a self-employed loan really that different?
Lenders assess self-employed borrowers differently than salaried applicants. Instead of a payslip, they'll want to see:
- Your ABN and business registration history
- Tax returns from the last 1-2 years (personal and business)
- BAS statements and profit/loss reports (in some cases)
- Business bank account statements
- A consistent income or a strong recent uptick
But don't stress - we'll walk you through exactly what's needed and help package your application to put your best financial foot forward.
Does this really matter?
The wrong approach can lead to delays, declines, or paying more than you need to. You might be told you don't qualify - when you absolutely do.
Getting the structure and lender right the first time makes all the difference. You don't just want a loan - you want the right loan: one that recognises your financial reality, supports your lifestyle, and gives you room to grow.
How Infinity Mortgage Brokers can help
We specialise in helping self-employed Australians secure home loans - whether you're a sole trader, company director, freelancer, or contractor. Here's what South West Sydney borrowers get with us:
- Guidance on what documents to prepare (and what lenders are really looking for)
- Access to full-doc and low-doc lenders who understand self-employed income
- Smart structuring advice for PAYG + business owners or seasonal income earners
- An advocate who knows how to make your case clearly - and get it approved
- Honest advice on what's possible now, and how to improve your position long term
We're not just ticking boxes - we're making sure the loan fits your life.
Ready to chat?
We sure are! Schedule a free introductory call with us now.
Is it harder to get a home loan if I am self employed in South West Sydney?
Getting a home loan when you are self employed takes more paperwork, but it is not necessarily harder. Lenders rely on tax returns and financial statements instead of payslips.
Why outcomes vary
Each lender has its own approach to add backs and to income that moves from year to year. The same borrower can be offered very different amounts.
Where the skill lies
The skill lies in choosing a lender whose policy fits the way your income is structured.
What helps your application
Up to date tax returns, clean business bank statements and a clear explanation of any dip in income all help.
How we help
With access to 40+ lenders, Infinity Mortgage Brokers matches self employed borrowers across South West Sydney to the right policy. See our self employed home loans service.
How does a low doc home loan work for self employed borrowers?
A low doc home loan lets self employed borrowers prove their income without full tax returns. The lender uses BAS, business bank statements or a letter from your accountant instead.
Who it suits
It suits borrowers whose latest return is not lodged, or whose business has grown faster than their tax returns show.
The trade off
Low doc loans usually require a larger deposit and can carry a higher rate.
Not every lender offers it
Genuine low doc products are limited, and rates vary significantly between the lenders that have them.
Comparing first
Infinity Mortgage Brokers weighs a low doc loan against a full doc application before recommending either. Our guide to low doc home loans explains how they work for South West Sydney business owners.
How many years of financials do self employed borrowers need?
Self employed borrowers usually need two years of tax returns and financial statements for a full doc home loan. A number of lenders will work from one year.
With less than a year
Some lenders will still consider you if you have a strong background in the industry, or through a low doc loan.
What counts as financials
Financials means personal and business tax returns, notices of assessment, and profit and loss statements.
Keeping them current
Returns more than about 18 months old carry less weight, so lodge on time if you plan to borrow.
Avoiding a decline
Applying to the wrong lender risks a decline and an unnecessary enquiry on your credit file.
Matching evidence to lender
Infinity Mortgage Brokers in Bankstown matches the evidence you have to the lenders most likely to accept it. See how to become eligible for a home loan.
Can a self employed home loan be assessed on my most recent year only?
Yes, some lenders will assess a self employed home loan on your most recent year only. Others average the last two years, and some use the lower of the two.
When the latest year helps
Where your income is rising, a lender that uses the latest year alone will give you more borrowing power.
When averaging helps
If last year dipped, a lender that averages two years may suit you better.
Why the choice matters
The same figures can produce very different limits under each method.
What lenders may ask
If income has jumped sharply, expect to explain why and show that it is likely to continue.
Directing your application
Infinity Mortgage Brokers knows how each lender on its panel treats this and directs applications for South West Sydney borrowers accordingly. Read more on how much you can borrow.
