Being your own boss comes with many rewards — freedom, flexibility, and control over your time. But when it comes to applying for a home loan, self-employed Australians often face unique challenges.

Traditional lenders tend to look for regular income and payslips, which many self-employed people don’t have. That doesn’t mean you’re out of options — you just need to present your financial situation differently.

At Reachable Finance, we specialise in helping business owners, freelancers, and contractors find home loan solutions that suit their circumstances. Instead of payslips, lenders can assess your income through tax returns, business activity statements (BAS), bank statements, and even an accountant’s declaration.

It’s important to make sure your financials are up to date and clearly show income consistency. Lenders are more flexible than ever in how they assess self-employed borrowers, especially if you work with a broker who understands your situation.

Also, keep in mind that some lenders offer low-doc loans — loans with less documentation required — though they may come with slightly higher interest rates or deposit requirements.

The good news is, with the right preparation and expert support, you can absolutely get approved and own the home you’ve worked so hard for. We’re here to help you every step of the way — from understanding your borrowing power to choosing a lender who values your entrepreneurial journey.