Self-Employed Loans

Being your own employer is a huge achievement, but we know it can sometimes feel like an uphill battle when it comes to getting a home loan. Traditional lenders often don't quite "get" the way self-employed income works, leaving many hardworking business owners, sole traders, and freelancers feeling a bit stuck.

That's where Fintellect steps in. As your local Moonee Ponds, Ascot Vale Essendon, and Coburg finance experts, we specialise in helping self-employed Victorians cut through the red tape and secure the home loan they deserve.

*Why Self-Employed Home Loans Are Different (And How We Make Them Simple)*

Most banks like a steady PAYG payslip, but for self-employed individuals, your income proof often comes in other forms. This can lead to:

*Different Documentation*: You might not have the typical payslips. Lenders for self-employed loans often look for a proven track record, usually requiring your last two years of personal and business tax returns, ATO Notices of Assessment, and potentially Business Activity Statements (BAS) or a letter from your accountant.

*Income Assessment Nuances*: Lenders need to see consistency and viability. We know which lenders in Victoria are flexible enough to consider your "add-backs" – those business expenses that reduce your taxable income but are actually part of your financial capacity.

*Finding the Right Fit*: Not all lenders offer the same options, and some might have stricter criteria or higher interest rates for self-employed applicants. Our job is to know the market inside out and connect you with the lenders who genuinely support self-employed home buyers in Melbourne.