Self-Employed Loans
Being self-employed shouldn’t mean jumping through endless hoops to get a home loan. At Valley Finance, we help small business owners, sole traders, contractors, and freelancers get the finance they deserve.
We understand that your income doesn’t always fit neatly into a box. So we work with a wide range of lenders who offer flexible solutions tailored to self-employed borrowers just like you.
What makes self-employed loans different?
When you're self-employed, most banks want more paperwork. Instead of simple payslips, you’ll usually need to provide things like:
Two years of tax returns and financial statements
BAS statements or business bank account summaries
A letter from your accountant
ABN and GST registration info
Some lenders even offer low doc loans, which let you apply with alternative forms of income verification if your financials aren’t up-to-date or your income fluctuates.
How Valley Finance can help.
We make the process clear and easy to follow — even if your financial situation is a little more complex.
Here’s how we support you:
Expert guidance – We know which lenders actually want to work with self-employed borrowers
We’ll help you gather the right documents and prepare your application
We compare over 40 lenders to find a loan that suits your unique needs
We advocate for you with lenders and explain everything in clear simple terms
Why choose Valley Finance?
We’re not a big franchise, we’re a local family-run business who genuinely cares. Based on the NSW South Coast, we know the local property market, and we understand the needs of self-employed home buyers in our community.
We're here to answer your questions (big or small), explain things in clear simple terms, and make sure you feel confident at every stage.
Frequently Asked Questions.
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A self-employed loan is a type of home loan specifically designed for individuals who run their own business or work as freelancers, contractors, or sole traders. It takes into account the unique income structure of self-employed borrowers.
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Lenders typically review your tax returns, business financials, and bank statements over the past 1-3 years to verify your income stability and capacity to repay the loan.
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Yes we can we do have select lenders who can work with self-employed customers who have less than 12 months’ trading history. You may just need to provide alternative documentation, such as a letter from your accountant.
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Common documents include:
Personal and business tax returns (usually 2 years)
BAS statements or business activity statements
Profit and loss statements or financial statements
Bank statements
Identification documents
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Interest rates can sometimes be slightly higher due to perceived risk, but this varies by lender and your financial profile. Working with a broker can help you find competitive rates.
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Approval can take longer than for salaried employees because lenders require more documentation and income verification. It typically takes 2-4 weeks, but it varies.
