Lending that works for you.
Tailored lending solutions for business owners, freelancers, and contractors.
Self-Employed LendingHome loans beyond the payslip.
Getting a home loan when you're self-employed can be a little different, but it doesn't have to be more difficult. Whether you're a business owner, sole trader, freelancer, or contractor, there are lending solutions designed to suit your unique financial circumstances.
From traditional full-document applications to alternative income verification options where appropriate, the right home loan should reflect the way you earn and support your long-term goals. Finding the right lender can make all the difference.
At Spitfire Finance, we take the time to understand your business and financial position before comparing suitable loan options from our panel of trusted lenders. We'll explain your choices clearly and guide you through the process, helping you secure the right loan with confidence.
Self-Employed Loan FeaturesEverything you need to borrow with confidence.
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Loans for Business Owners & Sole Traders
Lending solutions tailored to self-employed Australians, including sole traders, company directors, partnerships, and trusts.
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Flexible Income Assessment
Access lenders that understand self-employed income and offer assessment options suited to your financial situation.
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Access to 60+ Lenders
Compare a wide range of lenders to find a home loan that aligns with your business and personal goals.
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Competitive Interest Rates
We'll help you compare loan options from our lender panel to find competitive rates available to you.
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Flexible Loan Features
Choose from features such as offset accounts, redraw facilities, and flexible repayment options where available.
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Expert Guidance Every Step of the Way
We'll explain the requirements, help prepare your application, and guide you through the lending process from start to finish.
A Simple Path to the Right Home Loan
Let’s Chat
Tell us about your goals and financial situation.
We Compare
We assess loan options from our panel of trusted lenders.
You Choose
We explain your options so you can make an informed decision.
Settled
We manage the paperwork and keep everything on track through to settlement.
Our CommitmentMore Choice. Less Stress. Better Outcomes.
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Access to 60+ Lenders
We compare home loan options from more than 60 trusted lenders, giving you greater choice and helping you find the right fit.
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Rated 5.0 by Clients
Our reputation is built on honest advice, responsive service, and helping clients achieve their property goals with confidence.
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All You Need Is One Person
You'll work with one dedicated broker from your first conversation through to settlement, with clear guidance every step of the way.
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No Cost (Paid by the Lender)
Our mortgage broking service comes at no cost to you, so you can access expert advice without paying broker fees.
Frequently Asked Questions
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Yes. It generally requires more documentation — typically two years of tax returns and financial statements — and lenders assess your income differently than they would a PAYG employee. Some lenders also offer “low doc” or alternative income verification options for business owners with strong trading history but less traditional paperwork. This is very much our territory — we work with self-employed clients regularly and know which lenders on our panel are genuinely comfortable with business income.
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Possibly — it depends on the nature, size and age of the default, and your overall financial position. Some lenders on our panel specialise in near-prime or specialist lending for borrowers who don’t fit a major bank’s standard credit policy. A good first step is an honest conversation with us about your situation so we can be upfront about your realistic options.
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Not automatically ruled out. While two years of trading history is the standard requirement for most lenders, some will consider a shorter track record — particularly if you have a strong industry background, clear and verifiable cash flow, or can supplement your application with BAS and bank statements. It’s worth having an honest conversation with us before you assume you don’t qualify.
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Often, yes. Many lenders will add back certain non-cash or discretionary expenses — such as depreciation, one-off costs, or extra superannuation contributions — since these reduce your taxable income without reducing your actual cash flow. Every lender’s add-back policy is different, which is exactly why the same set of financials can produce quite different borrowing outcomes depending on who assesses them. We’ll help you find a lender whose approach genuinely reflects how your business performs.
Still Have a Question?
If your question isn’t answered here, that’s exactly what we’re here for. Every situation is different, and general information can only take you so far.
Get Started and let’s talk through your specific circumstances.
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