Home loans for business owners.
Sole trader, contractor or company director? We work with lenders that understand business income — even with one year of trading or BAS-only income.
Big banks often say no to self-employed applicants who'd easily service the loan. We know the lenders, the policies and the document combinations that get strong files approved at sharp rates.
Request a free assessment
A real broker calls you back within 5 minutes during business hours.
Why Insta Finance
Built around your file.
One year of returns OK
Multiple lenders accept just 1 year of tax returns and financials — no need to wait two years.
Low-doc & alt-doc
BAS statements, accountant letter or business bank statements as income proof when returns aren't current.
Add-backs done right
Depreciation, interest, one-off expenses — we present your file so lenders see your real serviceability.
Sharp rates, not last-resort
We start with prime lenders. Specialist lenders are a fallback, not a default.
How it works
A clear path forward.
Income review
We sit down with your tax returns, BAS and bank statements.
Lender match
Match your structure (sole trader / Pty Ltd / trust) to the right policy.
Application
File presented with proper add-backs and supporting commentary.
Settlement
Approved at prime rates wherever possible — not penalty pricing.
Common questions
FAQs
Can I get a home loan with only 1 year of self-employed income?+
Yes. Several major and second-tier lenders accept 1 year of tax returns plus financials, provided the income is consistent and the business is established in the same industry.
What is a low-doc home loan?+
A loan assessed using alternative income evidence — typically 6–12 months of BAS, business bank statements or an accountant's declaration — instead of tax returns.
Do self-employed borrowers pay higher interest rates?+
Not necessarily. With full financials you usually qualify for the same rates as PAYG borrowers. Low-doc loans carry a small premium, but it's much smaller than most people think.
How do lenders calculate self-employed income?+
Most use net profit before tax plus add-backs (depreciation, owner wages, one-offs, interest). We make sure every legitimate add-back is captured.
What documents will I need?+
Generally: last 1–2 years tax returns + financials, ATO portal printouts confirming no tax debt, ID, and recent BAS or business bank statements.
Get started
Approval without the runaround.
Free self-employed lending review. Send through your financials and we'll tell you exactly which lenders will say yes and at what rate.
- 40+ lenders compared
- 99% approval rate
- Zero broker fees