Being self-employed shouldn't hold you back from owning a home. We work with lenders who understand business owners and know how to assess income flexibly.
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.
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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.
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.
We provide simple, fast, and seamless borrowing experiences for our clients.
We work tirelessly to ensure our clients get the most competitive home loan rates and secure the best possible deal for your unique circumstances.
Our team of expert finance brokers are dedicated to helping clients secure the self-employed home loans they need.
We carefully take into account to your needs and tailor our services to your unique situation.
We have a panel of over 30 banks to negotiate competitive rates, fees, and terms on your behalf.
Get matched with the best lenders on demand for absolutely FREE.
We’re committed to working with you long-term to ensure your financial goals are achieved.
We’ll go the extra mile to get the loan you deserve, even if it’s a tough one.
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.
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.
Below are steps to apply for a home loan online:
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.
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.
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.
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.
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.
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.
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.
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 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.
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.
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.
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.
Apply Online
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.
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I could not fault Dylan throughout the entire experience working with him. Both husband and I are very new to the world of refinancing and home loans, etc and Dylan was so incredibly patient and clear with all information and options. He was incredibly professional, responsive and friendly and made the entire experience so easy. I will definitely be working with Dylan again in the future. Highly recommend working with Dylan to get you the best deal as painlessly as possible!
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I have dealt with a few banks and brokers during the course of a couple of mortgages. The experience I had with Dylan trumps all former experiences. He offers choice and guides you through the process. He takes away the headache and stress associated with mortgages and constantly keeps you updated. Dylan takes best customer practices to a whole new level and I seriously cannot thank him enough. If you're thinking about a mortgage or refinance - Dylan's your man - simple!
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Kristy, NSW
Being a first home buyer can be a nerve-racking minefield but Dylan Bertovic from Stryve Finance made the whole process feel smooth. He checked-in regularly over a two year period (off the plan purchase) and was confident, clear and friendly in his approach. Dylan was a clear leader when other brokers failed to deliver. He was most definitely the most pleasurable person to deal with compared to everyone else in the experience. Also still managed to get us a very competitive rate considering our extremely tricky situation. He made our dream happen and for that we could not thank or recommend him enough!
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