Smart Home Loans for Self-Employed Australians
Self Employment Loans
AAt iChoice Central Coast, we get it. Being self-employed gives you freedom and flexibility, but when it comes to home loans, banks don’t always see it that way. Traditional lending criteria rarely fit the reality of business owners, freelancers, and contractors. That’s why we specialise in solutions that recognise the true value of your hard work and entrepreneurial drive.
Why It’s Harder for the Self-Employed
Most lenders love neat payslips and predictable tax returns. If your income fluctuates or your paperwork doesn’t fit their box, they’ll often say no. But that doesn’t mean you can’t get finance — it just means you need a broker who knows how to position your case.
How We Make It Happen
We take the time to understand your business and financial story, not just the numbers on a page. Then we connect you with lenders who have flexible policies designed for the self-employed. Our job is to present your finances in the best possible light — so you can secure a loan that actually fits your life.
What Lenders Might Ask For
Every self-employed borrower is different, but here’s the kind of documentation lenders usually want to see:
ABN & Business Registration – proof your business is legitimate and active.
Tax Returns – generally the last two years of personal and business returns.
Business Activity Statements (BAS) – to show how your business is performing.
Bank Statements – both personal and business accounts to verify income and expenses.
Accountant’s Letter – a declaration confirming your income and business details.
Low-Doc Loan Options
Don’t have all the standard paperwork? That doesn’t mean you’re out of the game. Low-doc loans are designed for self-employed borrowers who can’t provide the usual documentation. These loans typically require:
Income Declaration – a signed statement of your earnings.
BAS or Bank Statements – recent records to back up your income declaration.
A Larger Deposit – usually at least 20% of the property’s value.
Lenders Mortgage Insurance (LMI) – may apply if you borrow more than 60% of the property value.
Why Choose iChoice Central Coast for Self-Employed Loans?
Jason knows the game – with years of experience, he’s built a reputation as one of the sharpest strategists in self-employed lending.
Smarter structures, better outcomes – Jason doesn’t just find you a loan, he designs a strategy that highlights your strengths and positions your application for approval.
Access to 40+ lenders – giving you more choice, flexibility, and a better shot at securing finance that actually works for you.
Tailored support – no cookie-cutter approach here. We take the time to understand your business, your cash flow, and your goals.
Seamless process – from start to settlement, Jason and the team guide you step by step, making the complex feel simple.
Self-employed? Don’t let the banks put you in the ‘too hard’ basket. Let the iChoice team build the strategy to get you approved.
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