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 other people. Unfortunately, a lot of the banks find this difficult to deal with, and as a result they sometimes make it very difficult for 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.

When it comes to purchasing your first home, you probably have heaps of questions that you would like honest answers to…

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

Home loan calculator

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

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