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Home and Investment Loans That Work With How You Earn
We help self-employed borrowers secure realistic, flexible home and investment loans.
Home Page > Self-Employed > Home & Investment Loans
Home and Investment Loans That Work With How You Earn
We help self-employed borrowers secure realistic, flexible home and investment loans.
Who This Service Is For?
Clients who:
- Sole traders, company directors, contractors, and freelancersUpsizing to a larger home
- Self-employed borrowers buying a home to live in
- Business owners investing in residential property
- Borrowers with variable or non-standard income
- Anyone unsure how lenders will assess their income
/ About Service
Why Home &
Investment Loans
Are Different for the
Self-Employed
Lenders assess self-employed borrowers differently by looking at:
- Business structure and income flow
- Profit vs drawings or salary
- Income consistency and trends
- Industry stability
- Documentation quality
That’s why the right lender and the right structure makes all the difference.
/ About Service
What Is
Bridging Loans?
You usually have:
- Our current home (to be sold)
- Your new home (to be purchased)
- A limited bridging period (often up to 6–12 months)
A bridging loan covers the gap between buying a new home and selling your current one.
Once your existing home sells, the loan is reduced or cleared, and your new home loan continues as normal.
Self-Employed Concerns
And How We Help
01
My income changes year to year
We assess trends, not just one year
02
I minimise tax
We explain how lenders interpret this
03
Can I still borrow for investment?
We match policy to your structureWe structure payments carefully
04
Will lenders count rental income?
We calculate this accuratelyWe explore alternatives first
05
I don’t want to be declined
We match lenders before applying
Home Loans for
Self-Employed Borrowers
For owner-occupied purchases, we help with:
- First homes and next homes
- Buying while self-employed
- Refinancing existing home loans
- Using equity for future plans
Loans are structured to suit your income, not just lender preference.
Investment Loans for
Self-Employed Borrowers
For property investors, we help with:
- Investment property purchases
- Using equity for deposits
- Structuring loans for cash flow
- Interest-only vs principal & interest decisions
- Planning for future borrowing capacity
We look beyond approval and focus on long-term strategy.
Finance That Grows with Your Life
We Handle the Loans, So You Live Your Life.
How We Structure
Self-Employed Home
& Investment Loans
Income & Structure Review
We understand how your business earns and pays you.
Borrowing Power Assessment
We calculate realistic borrowing capacity.
Lender Policy Matching
We identify lenders that suit your income structure.
Document Guidance
We help prepare and package financials correctly.
Application & Settlement Support
We manage the process from submission to settlement.
You Relax.
We Do the Rest.
What You Get
When Work with Us
Clear explanation of how your income is assessed
Access to self-employed-friendly lenders
Reduced risk of
decline
Strategy-led loan structuring
Support for both home and investment lending
Ongoing reviews as your business grows
Home & Investment Loans
Structure, Split & Optimise Your Lending
Managing both your home and investment loans requires more than chasing the lowest rate. Without the right structure, you can limit borrowing capacity, reduce flexibility, and create tax complications. That’s why working with a specialised home and investment loan broker is critical when managing owner-occupier and investor loans together.
Many borrowers unknowingly mix personal and investment debt. Poor structuring can make refinancing harder, reduce usable equity, and affect long-term portfolio growth. A well-planned dual-purpose lending approach ensures your home loan and investment loan work together, not against each other.
Effective structuring starts with the right loan split strategy. Separating owner-occupier and investment portions allows for cleaner accounting, better tax clarity, and improved flexibility. It also supports smarter investment structuring, especially if you plan to grow your portfolio over time.
Choosing between principal & interest and interest-only repayments on the investment portion can significantly impact cash flow and borrowing power. A properly designed interest-only strategy may improve short-term serviceability, while principal repayments may strengthen long-term equity growth. The right option depends on your income stability, tax position, and expansion plans.
If you’re considering buying an investment property while managing your home loan, or reviewing your current structure, it’s important to align lending with long-term goals. The wrong structure can cost more over time than a slightly higher interest rate.
Our focus is strategic, not transactional. We look at your full financial position, future borrowing plans, and tax considerations before recommending a structure. The goal isn’t just approval, it’s building a flexible lending framework that supports growth.
- Implement a clear loan split for home and investment purposes
- Develop a long-term portfolio strategy
- Plan an effective equity use strategy for future purchases
- Assess whether an interest-only strategy suits the investment portion
- Structure dual lending arrangements correctly from the start
- Refinance both loans where required for better alignment
/ FAQ
Your Questions Answered
Can I get a home loan if I’m self-employed?
Yes. Many lenders support self-employed borrowers with the right preparation.
Can self-employed borrowers buy investment properties?
Yes, subject to borrowing power, income stability, and structure.
Do lenders need two years of financials?
Not always. Some lenders accept shorter histories.
Does rental income count toward borrowing power?
Usually yes, though lenders assess it conservatively.
Does tax minimisation reduce borrowing capacity?
It can. We explain how this affects assessment.
Can I refinance later as my business grows?
Yes. Many self-employed borrowers refinance over time.
Are interest-only loans available?
Sometimes, depending on lender and strategy.
Your Journey
Starts Here
Ready to talk?
Whether you know what you want or don’t know where to begin, we’re here to help.
Call Us On
1800 623 292
Let's
Explore Your Options
We’re here to help.