Being self-employed is one of the biggest advantages you can have in life — except when it comes to getting a home loan. Lend & Loan specialises in self-employed home loans across Sydney, with access to lenders who understand business owners and assess your income the right way.
📅 Book Free ConsultationSelf-employed borrowers are typically defined as individuals who have operated their own business, worked as a sole trader, or served as a company director for at least 12 months (some lenders require 2 years). The key is knowing which lenders are most generous with how they interpret self-employed income — full doc, low doc, or bank statement lending.
Free 30-minute self-employed loan assessment — we determine your borrowing power and identify all available add-backs.
We review your tax returns, BAS statements, business financials, and bank statements.
We match you with the most appropriate lender policy — full doc, low doc, or bank statement.
We prepare and lodge a compelling application, then manage approval and settlement.
Most standard lenders require 2 years. However, some specialist lenders will consider applicants with as little as 12 months ABN history, particularly if previously employed in the same industry.
A low documentation loan is designed for self-employed borrowers who can't document income through traditional means — using BAS statements, accountant's declaration, or bank statement lending instead.
Many lenders allow 'add-backs' — legitimate business expenses that reduce taxable income but don't reflect actual cash position. We work through your financials to maximise your assessable income.
Self-employed and ready to buy in Sydney? Book a free self-employed home loan assessment — we'll find you the right lender, the right structure, and get you approved.
📅 Book Free Consultation 🔍 Calculate Borrowing Power