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Mortgages for the self-employed.

Self-Employed Mortgages

Self-employed? Struggling to get approved for a mortgage?

Sometimes being self-employed means that your income may fluctuate more than people on a salary. Unfortunately, a lot of the Banks find this difficult to deal with, and as a result they sometimes make it very difficult for newly self-employed people to get a mortgage.

The good news is that in recent years quite a few very credible lending institutions have entered the market with a better understanding of the challenges of being self-employed which means more options for you:

  • Up to 85% LVR lending
  • No financials required
  • Minimum 3 months business trading
  • Fast approval turnarounds

If your bank is making life difficult, Rethink has the solution to get your mortgage approved.

Mortgage calculator

Use this calculator as a guide to find out what your home loan repayments could be.

Being self-employed means that your accountant will try to present your financial accounts in a way that reduces the amount of tax you have to pay.

Unfortunately, this is usually the opposite of what you need to show to get a mortgage from a bank.

We’re experienced in reading financial accounts and have skills in extracting a number of items within them that can be added-back into the income side. On top of this we understand that some banks are happier to take self-employed income than others and will also allow just one-year of trading results instead of two or more.

Best Mortgage Rate

Getting started is easier than you think.

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Talk to a mortgage expert

Call us on 0800 021 337 8.30am – 8.00pm Monday to Friday

Mortgage calculator

Our online mortgage calculator is a convenient way to help you budget and assess your options.

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