If you’re a self-employed individual with big dreams of owning a home, we can help you make it a reality with self employed home loans. Our expertise in securing self-employed home loans will help you secure the best options for you and guide you through the process and conditions.

An array of finance options
Versatile loan products
Speedy turnaround times
Customer-centric approach

Fill in the form and we will be in touch to guide you through your first home buying journey.

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Run a business and need to secure a home loan?

Being self employed means different things to different people. For some, it’s about working flexible hours; for others, it’s about having their own business. Whatever your situation may be, there’s no reason why you should miss out on great opportunities to secure a self employed home loan Australia.

Stryve Finance is your first choice for self employed home mortgage

We get it — your options for getting the best self-employed home mortgage deals on the market may seem limited as a self-employed borrower. Not to mention, banks and lenders usually see self-employed Australia folks as high risk borrowers, hence making the application process for a loan for self employed especially hard.

But we got your back. Here at Stryve Finance, our team of home loan experts offers a streamlined mortgage process for self-employed borrowers looking to buy their dream home and getting a loan.

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We help the self employed get the best home
loan for their specific needs.

Getting a loan from the bank may look like a tough and never-ending cycle of paperwork. But since your experience is paramount to our business, we make sure to only deal with the best banks to get self-employed home mortgage deals that truly resonate with your financial situation.

Stress-free application

We provide simple, fast, and seamless borrowing experiences for our clients.

Most competitive rates available

We work tirelessly to ensure our clients get the most competitive home loan rates and secure the best possible deal for your unique circumstances.

Experts at self employed loans

Our team of expert finance brokers are dedicated to helping clients secure the self-employed home loans they need.

Your own dedicated financial advisor

We carefully take into account to your needs and tailor our services to your unique situation.

Access to a wide panel of lenders

We have a panel of over 30 banks to negotiate competitive rates, fees, and terms on your behalf.

No obligation and no cost service

Get matched with the best lenders on demand for absolutely FREE.

‘Client for life’ approach

We’re committed to working with you long-term to ensure your financial goals are achieved.

Get the toughest loans approved

We’ll go the extra mile to get the loan you deserve, even if it’s a tough one.

Get your paperwork sorted

We understand the tedious nature of the home loan application process. That’s why we take care of all the necessary paperwork for you for a seamless and stress-free process.

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Taking the time to understand your business

Applying for a self employed home loan isn’t always easy. The self-employed don’t always offer the financial stability a lender looks for in a borrower and as such and most of the time you’ll need to provide two years’ worth of tax returns and letters from your accountant before most lenders will even consider you.

We have put in place a simple and easy application process to ensure that your experience with us is stress-free.

Apply for your self-employed home mortgage online!

Below are steps to apply for a home loan online:

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Check your eligibility

Before applying for a self employed home loan, you should check if you meet the eligibility criteria set by the lender. This may include things like having a good credit score, stable income, and appropriate documentation to prove your self-employment.

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Gather documentation

As a self-employed borrower, you will typically need to provide more home loan requirements than someone who is employed by a company. This may include things like tax returns, business financial statements, bank statements, and proof of income.

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Compare lenders

It’s important to compare different lenders and their products to find the best self employed home loan for your needs. Look for lenders that offer competitive interest rates, flexible repayment terms, and a range of features that suit your individual circumstances.

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Make an application

Once you have found a suitable lender and product, you can begin the application process. This will typically involve filling out an application form online and providing all the necessary documentation to support your application.

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Await approval

After you submit your application, the lender will assess your eligibility and the documents you have provided. They will also conduct a credit check and may require additional information or clarification from you. The approval process may take several days to several weeks.

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Obtain a loan offer

If your application is successful, the lender will provide you with a loan offer that outlines the terms and conditions of the loan, including the interest rate, repayment schedule, and any fees and charges.

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Accept the offer

If you are happy with the loan offer, you can accept it and proceed to settlement. You may also want to seek legal advice at this stage to ensure you understand all the terms and conditions of the loan.

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Once you have accepted the loan offer, the lender will arrange settlement, which is the process of transferring the funds to you or your solicitor to complete the purchase of your property.

Low and No Document Home Loans

Low and no document home loans are ideal for self-employed individuals who may have difficulty providing traditional documentation of their income and liabilities. These types of loans are designed to reduce the amount of paperwork needed to prove income and are a great option for entrepreneurs and business owners who have difficulty verifying their income.

Low and no document home loans usually come with higher interest rates and require larger down payments than traditional mortgages, but can provide a great opportunity for those who have difficulty providing traditional paperwork.

What are low doc home loans?

A low doc home loan is for borrowers who do not have the standard documentation for a traditional mortgage application. It is designed for investors and self-employed individuals that cannot provide the full two years of tax returns and financial statements requisite in a standard home loan application.

What are no doc home loans?

No doc home loans, also known as low-doc or no-documentation home loans, are a type of home loan that is designed for self-employed or freelance individuals who may have difficulty providing traditional documentation of their income, such as tax returns or financial statements. Instead, these loans rely on alternative forms of income verification, such as bank statements, to assess the borrower’s ability to repay the loan. No doc home loans often come with higher interest rates and may require a larger down payment than traditional home loans to offset the higher risk for lenders.

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Not enough documentation?

We understand your need for quick, simple and easy self employed home loans. Trust that our self employed mortgage broker will do the heavy lifting by managing the paperwork from application through to settlement.

Why work with us

At Stryve Finance, we take a ‘client for life’ approach, meaning we’re committed to working with you long-term to ensure your financial goals are achieved, whether it’s your first home or investment. Our team will listen carefully to your needs and tailor our services to your unique situation. We’re here to guide you every step of the way, from assessments and expert advice on choosing the right loan to getting the toughest loans approved.

FAQs on Self Employed Home Loans Australia

Is getting a home loan when self employed worth it?

It is true that some lenders and banks complete a more thorough evaluation of applications from self-employed borrowers, but that is the gap we want to help you bridge. We have access to a wide range of lenders and financial institutions that treat clients like yourself more favourably, and we make sure your experience with us makes all the hard work worthwhile.

How to get a home loan if self employed?

Getting loans for self employed can be quite challenging even with regular income. You will need to provide more documentation and look beyond the big banks for tailored finance solutions. Our award-winning property and asset finance specialists will be more than happy to give you the guidance and expertise you need to obtain the right self employed loan for you. Give us a call on 1300 202 285.

What are the requirements for home loan Australia?

Depending on the lender, you may need to provide the following documentation:

  • Two years tax returns
  • Two years tax assessment notices
  • Business bank statements
  • Evidence of ABN registration for 6 months
  • Evidence of GST registration for 6 months
  • Declaration of financial position (i.e., proof of self employment/ business income)
  • Business activity statements (BAS)
  • Accountant’s letter
  • Net profit before tax
  • Director wages/salaries
  • Addback of Depreciation
  • Addback of Interest on debts being refinanced
  • Addback of Superannuation contribution in excess of 9.5%
  • Interest & Dividend income

What is a comparison rate home loan?

A comparison rate home loan is inclusive of the interest rate and certain fees and charges relating to a loan. It represents the true cost of a home loan and is aimed at helping borrowers determine the home loan that is right for them as they take into consideration all the costs surrounding a home loan.

How much deposit do I need for a home loan for self employed?

Lenders typically finance up to 95% of the purchase price to borrowers who have been self-employed for two years and up, so that leaves you with 5% of the purchase price to save as your deposit. If you are self-employed for less than a year, you may borrow up to 80% of the property value. You can talk to us so we can help you work out how much you could borrow.

How long do I need to be self-employed to qualify for a home loan for self employed?

The eligibility set by most lenders requires borrowers to be self employed for a minimum of 2-3 years. If you are self employed for less than two years, don’t worry! Talk to us today and we will help you determine how much you could borrow and get started with your self employed home loan application.

How do lenders calculate my income?

Your past tax returns are indicative of the stability of your business, in the eyes of most lenders. They might even use the lowest of your income figures for the last two years. But there are other financial institutions that take a more holistic approach, and that is where we can step in to help. We will determine for you which information to provide to help prove the highest possible income (e.g., business activity statements (BAS), a printout of Australian Taxation Office(ATO) tax portal, and 3-6 months’ worth of bank account statements). We can also help you with this through our self-employed home loan calculator.

What are the pros and cons of a low doc home loan?

The pros of a low doc home loan include greater flexibility and fewer documentation requirements. However, the cons include higher interest rates and fees, a higher deposit, and the potential for the loan to be deemed unaffordable or unsuitable by the lender.

Can self-employed individuals get fixed-rate home loans?

Yes, self-employed individuals can get fixed-rate home loans. Fixed-rate home loans offer the security of a fixed interest rate for a set period of time, which can help self-employed borrowers with budgeting and planning.

What are the pros and cons of an interest-only home loan?

The pros of an interest-only home loan include lower repayments in the short term and greater flexibility for investors. However, the cons include higher overall interest costs and the potential for negative equity if the property value decreases.

Can I get a self-employed home mortgage if I'm a sole trader?

Yes, sole traders can apply for self-employed home loans. However, you’ll have a slightly different home loan criteria. You’ll need to provide documentation that demonstrates your income, expenses, and financial position, which may be more difficult for sole traders who don’t have a separate business structure.

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See what our clients have to say about us
Kari Moffat
Kari Moffat

left us a 5 star review


Dylan is fantastic to work with and sorted problems so fast. Great communication, highly recommend!

Kari Moffat June 3, 2023

Really happy with Dylan's service. Dylan is professional and he makes things happened quick. Can't go wrong with his service.

Justin Wang May 18, 2023

I cannot recommend Dylan enough!!! My husband and I have a mixture of perm income as well as self employed - due to this, a few brokers turned us away, but not Dylan! He was able to listen to our situation and find a bank to approve us. He was so professional and he was just as excited as us when it all came together! Thanks again!


We highly recommend Dylan and the Stryve team. They're professional, knowledgeable and great communicators who listened to our mortgage needs and provided products that suited us. Stryve has assisted us multiple times with products and are proactive in seeking lower interest rates.

Sharnae Filcich April 28, 2023

Refinanced my mortage with Dylan. He did a fantastic job and helped me with every aspect of it. I would highly recommend him to anyone.

patrizia tarantola April 19, 2023

Dylan is an absolute star and fantastic broker! From the moment we began the process to refinance an investment and make a new purchase with the equity, all the way through to settlement, Dylan was attentive, supportive and proactive. His dedication to the outcome and continual value checks to ensure we were getting the best possible rates were such a great service. Dylan made the seemingly daunting task of this whole process a pleasant and positive experience, always transparent and happy to take the time to explain all the moving parts and answer all our questions. Will definitely be engaging Dylan for our future financing needs and cannot recommend him enough! Thanks Dylan!

metcaelfe April 17, 2023

Dylan and the team at Stryve have been fantastic from day one, with a personable approach to business and a strong knowledge of the market. Dylan has helped us secure the best possible rates available and navigate the finance processes for our first home, and two cars. I highly recommend the team at Stryve and want to thank Dylan, Jake and all the team for their ongoing support and guidance up to settlement and beyond as we continue our journey.

Lucas Maidment April 12, 2023

Dylan Bertovic provided expert support and guidance from the very earliest stages of my property buying journey in Australia. Dylan delivered pragmatic advice, and was able to understand and deliver according to my specific property goals. Bonus points is that Dylan was patient enough to repeat himself when I kept forgetting minor details along the way!

Simon Moore March 9, 2023

On behalf of my husband and I, we would like to truly thank Dylan Bertovic for all his assistance in helping us with our new loan - approved in time before our settlement. Dylan worked above and beyond expected. He took the time to explain every step and process with us. Any questions we had, Dylan would go out of his way to ensure they were answered. He made the process stress free and ensured we got the best possible deal. Thank you for your professionalism, your hard work and your friendliness as well. We now live in our dream home and we have you to thank for that :) We highly recommend Dylan to all our family and friends.

Merna Yalda March 7, 2023

Dylan assisted my partner and I through the purchase of our home. From getting pre approval through the completing the application and purchase of our home it was seamless. We cannot thank Dylan enough for being accessible and communicating with us through the whole process. We will be recommending to all our family and friends!

Tamara February 8, 2023

I really can’t rate Jake Fuller highly enough. Jake came along to help me get a home loan refinance through the toughest time in my life through a messy marriage separation. This involved countless interactions with banks, finance companies, lawyers and various agencies. It was a very complicated matter added with the emotional stress of the situation. For all the people I had to work with through this, I can honestly say Jake went above and beyond on so many occasions and was by far the only one throughout the whole process who I could completely rely on. He was always extremely supportive, positive, showed a huge amount of compassion and care, and was able to find me a fantastic financial outcome which worked perfectly for me and relieved a huge amount of stress, uncertainty and pressure. Through all of this Jake was an absolute rock. I honestly don’t think I could’ve done it without him. His service went far above and beyond the financial side, he clearly cared and went out of his way to get onto every stumbling block that came our way, nothing was a problem for him and he acted so quickly and effectively handled every step with the utmost of professionalism. I honestly can’t thank him enough and can’t rate him highly enough. I’ve made it to the outside now with a fantastic outcome. Thanks so much Jake!

Luke Jackson January 25, 2023

Thank you very much Dylan, you made purchasing my first home possible under such short times and everything else. Your work ethic and client centric approach really speaks for itself. I can’t recommend you enough you are amazing thank you

Audrey Eshiloni January 25, 2023

Dylan made the process of buying our first house stress free and easy. He was approachable to start with and very responsive to all of our questions throughout the process. Can not recommend enough.

Blake Ridges January 25, 2023

Dylan helped me for 18+ months until I found the right property. Would 100% use his services again and recommend to friends and family.

Emilio Mattiuzzo January 10, 2023

I highly recommend Dylan. I bought my first home with Dylan’s help and couldn’t have done it without him. His organisational skills and responsiveness made the process way less stressful. He also has a great ability to think outside the box and got me the best deal possible. I look forward to using Dylan again when I remortgage or buy my next property.

Chad H December 19, 2022

Dylan worked fast and went above and beyond to help me refinance. He spoke honestly and clearly and was always pushing for my best interest while working with lenders. Highly recommend.

William Nguyen December 13, 2022

I wanted to give a huge thanks to Dylan, he is so informative and knowledgeable, he guided me through step by step to obtain the loan. It was easy and comfortable process working with him! I will definitely use him again.Thank you for you support!

Giuseppe Soriano November 21, 2022

Huge THANK YOU to Jake for helping us sort out our loans and refinancing them so my husband and I can start fresh and get our foot started with saving for a home. Jake was super professional and quick to respond with any questions we had. He explained the process to us perfectly and made the process so much easier for us. We cannot thank Jake enough for his time and effort getting our loan sorted. Looking forward to working with Jake in the near future. Highly recommended 10/10

Tessa Manumua October 26, 2022

Thank you Dylan! Dylan was so informative and knowledgeable. He made the process seamless and kept me updated every step of the way. I couldn’t recommend him enough. Refinancing through Dylan was the best decision I made . Thank you again Dylan!

Alex Talia October 26, 2022

Jake helped us re-finance our home during a very stressful time for our family. His compassion, efficiency and thorough understanding of mortgage made this experience painless and easy. I highly recommend Jake for your mortgage broking needs! 10/10!

Sarah Townend October 25, 2022

Dylan has been absolutely great along the process. He is professional, responsive, a great communicator and wonderful support throughout. Highly recommended.

Monica Velez Posada October 19, 2022

Was an easy and comfortable process working with Dylan! Dylan is super knowledgeable and will definitely use him again. Thank you for you support!

Angela Maiuolo October 17, 2022

Fantastic customer service. Dylan made our purchase a straightforward, smooth journey from start to finish. He kept us in the loop throughout all stages of pre-approval and purchase of our home and was always available for any questions/queries we had. Thanks Stryve!!

Joseph Caccamo October 17, 2022

Dylan was an absolute legend to work with. His communication is amazing and explains everything so you are never in the dark. I can't recommend Dylan and his team enough.

Andrew Marrone October 16, 2022

We came across Dylan Bertovic after spoken with several brokers. Our experiences with Dylan were great and we knew after spoken with him that he has the heart to help people fulfill their dreams. He was very professional, prompt to respond whenever we reach out to him. He was on top of his works, and we highly recommended him to anyone whose looking for a broker who is willing to help you all the way.

Liuvao Tamati October 13, 2022

Dylan is really professional and responsive, guided me through all the steps with buying my first home. I would highly recommend him to all my friends and family.

sandra petros October 1, 2022

Got recommended to Dylan by one of my mates and I couldn’t be more pleased with the out come, will definitely be going through dylan again!

Jhy Rowley August 19, 2022

Dylan was amazing to work with, he was punctual to the minute and always followed up with his client. He was knowledgeable in my peculiar case and was upfront about the whole process. He always found a way to answer my concerns and help me with my application process. I would 100000% recommend Dylan to family and friends, and hopefully work with him again soon. Cheers Dylan

Nashwan Istephan August 6, 2022

The team at Stryve really made the whole refinancing process easy. Their expertise in the home loan landscape made the process quick and mostly hands off, which being so busy myself was a lifesaver.

Alicia Valderrama August 2, 2022

Absolutely impressed with the professionalism displayed by Dylan from Stryve. Throughout the whole process, I was kept in the loop and well informed. There was ongoing communication via call, email and text. Achieving a loan could not have been simpler - Dylan was optimistic and extremely helpful.

Melissa Xerri July 26, 2022

As first home buyers, we can’t be more grateful for the help and support we received from Dylan and the rest of the team at Stryve. Throughout the whole process they were consistently professional and helpful and provided us answers to anything and everything we were curious about. There was never a time when we couldn’t reach them and on top of that we were even provided with regular check-ins. We felt at ease throughout the whole process of purchasing our first home and we are highly grateful to have found them. We could not imagine the process with anyone else and will continue to recommend them to all our friends and family. We will be definitely using them again in the future.

Maria Olivia July 22, 2022

Dylan and the team were fantastic in assisting us with the purchase of our first home. The whole process from enquiry through to settlement whilst daunting for a first home buyer, was made extremely smooth and easy through their expertise and prompt responses to our many questions. We will absolutely be engaging with Dylan, Jake and the team for future services and will highly recommend to anyone interested!

Hayden Watts July 13, 2022

After speaking with multiple brokers who were no help at all, my partner and I found Dylan. From the start he has been nothing but helpful and professional. He answered all of our questions and was available at odd hours, which may have been inconvenient for him just so he could accommodate for our shift work / rotating roster. He went above and beyond what we even expected by contacting the land developer in regards to our settlement when our conveyancer failed to do so. Dylan is very knowledgeable, and we have already recommended him to family and friends which he has been a great help for them also. We will definitely be using Stryve Finance again in the future.

Kadison Reid July 12, 2022

Massive thanks to Jake for helping us out with our mortgage. Extremely helpful and was with us every step of the way. He kept us updated and was able to answer any of our questions. We trusted his information and the process was seamless! Highly recommend!

Kaitlin King July 7, 2022

Dylan has helped us with our mortgage requirements for many years now and cannot recommend him highly enough. With the assistance of Dylan and Jake, our most recent enquiry was the fastest and easiest yet! If you’re after mortgage solutions tailored to your requirements, do not hesitate speaking with Dylan.

Chris Sullivan June 29, 2022

Dylan was recommended to me by a friend and I’m glad. He went above and beyond. Everything went smoothly and any questions I had, Dylan would be on the phone straight away explaining everything to me. He is very knowledgeable and has a great team by his side. Everything you need in a mortgage broker, prompt & reliable service! Thank you to Dylan and his team!

Samantha Mizzi June 16, 2022

My husband and I have used Dylan twice over the years. First to help us secure a loan for our first home when we were struggling to find anyone else to help us! Then second to refinance our property. Both interactions working with Dylan and his team were amazing. A very reliable team who make's it all too easy, all whilst maintaining an extremely friendly and caring environment for their clients. Highly recommend this team to help you secure your financial goals!

Elise Castersen June 15, 2022

Massive thank you to Dylan and the team. They made my entire experience from start to finsh an absolute breeze. Truly cannot recommend them enough, and hope to use them again in the future.

Ryan Shepherd June 14, 2022

Buying a first home can be really daunting and stressful .. but working with Dylan and the Stryve Team took all the worry and stress away. Dylan not only looked after the pre-approval and settlement of my loan, but most recently the refinance of my loan. Dylan is professional, knowledgeable, patient and kept me in the loop throughout the whole process. Answering all my questions without hesitation and always coming back to me in a timely manner. I would highly recommend Dylan and the Stryve Finance Team, and I look to working with them again in the future. Thank you for everything, Dylan :)

Carla Kokozian June 14, 2022

A huge thank you to Dylan for the second time in refinancing a loan to purchase our second investment property. From the start to the end of the process our experience in dealing with him was so easy and stress free. He would always respond to any questions we had instantly and will be using him again in the future. We highly recommend Dylan to anyone who needs his services.

Nardia Gioiosa May 10, 2022

At the start of the year I decided I wanted to try buy my first property in Sydney. My Mum gave me Dylan’s contact number and within the first phone call he had the ball rolling and from there the process was so easy. As this was my first time entering the property market I had no idea about anything however Dylan talked me through it all and kept me in the loop with everything. And just last week settled on my first unit. I can’t thank him enough for all he’s help and support. I will be recommending him to all my family and friends when they decided to start buying and will in the future continue to work with him. Thank you Dylan for everything

nicole lucas April 27, 2022

Thank you Dylan for your fantastic support and knowledge in helping us to own our first house. You just went beyond customer service and made us feel so comfortable. We asked so many questions and you answered them all with so much patience. We highly recommend Dylan's services to anyone out there. Thank you again Dylan!

amanda jonker April 6, 2022

Dylan went above and beyond and nothing was too much trouble. We spent over 12 months looking for a house and he answered every single question I had without any hesitation. With the 101 questions we finally secured a house and he turned everything around so quickly to ensure everything was sorted for settlement. I have had the best experience with Dylan and will be coming back when needed again. Thanks again!

Emily Brown March 31, 2022

My experience with Dylan & Stryve Finance has been nothing but positive & enjoyable. If you’re ever contemplating finance i highly recommend reaching out

Daniel Beardall March 17, 2022

Dylan helped me achieve my dream of owning my own home. His dedication, commitment and professionalism is outstanding. I will definitely be recommending Dylan to my family and friends! Thank you Dylan!!!

Emily Kitch January 28, 2022

The greatest broker of all time. Dylan provided nothing short of a world-class service. When it came to documentation and applying for a loan, Dylan made everything a breeze. Never would I have ever thought that I would find a broker who was going to make this such a quick, fun and enjoyable process. I have come across many brokers and Dylan is by far the man you would rather have in your corner. Dylan, you are second to none. Thank you Dylan for your help, I look forward using your services in the future as well as referring you many clients to come!

Jack Cailotto January 6, 2022

We had the pleasure of having Dylan help us with buying our forever home, his support, patience, knowledge and willingness to help at all times has been nothing but outstanding. Purchasing a property can come with a lot of stressful scenarios Dylan has been amazing and created a stress free experience! Thank you Dylan! Rest assured if anyone is in need of your service you will be highly recommended!

karolina luburic January 5, 2022

Absolutely brilliant, from start to finish, Dylan goes far and beyond all expectations, from 600km away home loan approved and settled within weeks, even blew our solicitor out of the water with his prompt services, would recommend Dylan 110%

Dale Sutcliffe January 4, 2022

Dylan assisted me throughout the process of getting my loan from start to finish. He is extremely knowledgeable, helpful and prompt. Due to my lack of understanding in the beginning, he gave great recommendations and guided me the whole time with his unmatched expertise in the industry which in the end lead to me finalising a brilliant loan. Wouldnt go to anyone else - thanks mate!

Libz December 10, 2021

Dylan's service was absolutely outstanding, I cannot recommend him highly enough!! From the first phone call to the follow up after settlement he went way beyond my expectations as a first time buyer. Within 6 weeks I was settled in my first home and couldn't be happier. No question was a silly one and always answered in a thorough way with clear communication. If reading these testimonials - you'd be silly not to engage Dylan as your broker! I look forward to future dealings with Dylan.

Jess Mirtschin December 10, 2021