Self-employed Home Loans

For many self-employed individuals and business owners, securing a home loan can feel more challenging than for those on a traditional salary. Lenders often have different criteria for assessing income, which can make the process seem complex or restrictive. However, being your own boss shouldn't mean you can't own your own home.

At Ferns Finance, we celebrate entrepreneurship and understand the nuances of self-employed finances. We're specialists in self-employed home loans for clients throughout Beenleigh, Logan, Scenic Rim, and the Gold Coast. We work diligently to present your financial position effectively to lenders, highlighting your true income and business strength.

We can assist with a range of scenarios, including:

• Low-Doc Loans: For self-employed individuals who may not have all the standard financial documentation, but can demonstrate consistent income through other means.
• Alternative Income Verification: Utilising bank statements, BAS statements, or accountant's letters to prove your income, even without traditional payslips.
• Business Structure Considerations: Understanding how your company structure (sole trader, partnership, company, trust) impacts your borrowing capacity and loan options.
• Maximising Borrowing Power: We look beyond the surface, finding lenders who are more flexible and willing to assess your overall financial health and business performance.

We partner with over 60 banks and lenders, many of whom have specific products and policies designed for self-employed applicants. This means we can compare a wider range of options to find a loan that genuinely suits your unique financial situation and lifestyle.

Don't let perceived hurdles hold you back from homeownership. Talk to us today to explore your self-employed home loan options and make your dream home a reality.