Running your own business shouldn’t count against you. We know which lenders look past the tax return — and how to present your income so it stacks up.
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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.
When you’re self-employed, most banks want more paperwork. Instead of simple payslips, you’ll usually need to provide things like:
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.
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:
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.
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.
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.
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.
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
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.
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.
Get in touch today.
