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Self-employed home loans Adelaide

Self-employed.
Still bankable.

Lendology specialises in self-employed lending - we know which lenders assess complex income correctly and get clients approved that banks have declined.

560+ Adelaide families helped
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60+ lenders compared
|
No cost always - paid by the lender
Book a chat Call 08 8270 5138
5.0 from 118 Google reviews No cost to you Respond within 1 business day
Last reviewed: June 2026
Home›Home Loans›Self-employed home loans Adelaide
The self-employed challenge

Banks assess self-employed income conservatively. The right lender makes all the difference.

Self-employed borrowers are not higher risk - they are different risk. Banks with rigid serviceability models often decline or under-assess self-employed income. Lenders who understand business income, trust distributions, director fees and irregular cash flow assess your position more accurately. Lendology identifies those lenders before lodging a single application.

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ABN history - Most lenders require at least 2 years of ABN registration. Some consider applications from 12 months. Lendology knows which lenders accept shorter trading histories.
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Income structure - Sole trader, company, trust, PAYG director - each is assessed differently. Lendology understands all structures and which lenders suit each.
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Low-doc options - If your tax returns are not finalised or declared income doesn't reflect your actual capacity, some lenders offer low-doc and alt doc options. Lendology assesses whether this is appropriate.
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Industry knowledge - Some industries are treated more conservatively by certain lenders. Lendology knows which lenders are most favourable for your specific business type.
How it works

The Lendology process

1
Income assessment review
We review your tax returns, financial statements, BAS and bank statements to understand how your income will be assessed by different lenders.
2
Lender matching
We identify which lenders assess your income type most favourably - this varies significantly and can affect your borrowing capacity by hundreds of thousands of dollars.
3
Document preparation
We prepare your application to present your income clearly and compliantly - addressing the questions lenders ask before they ask them.
4
Application and approval
We manage the application, any lender queries and coordinate formal approval and settlement.
Google reviews

118 five-star Google reviews

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Common questions

FAQs

How many years do I need to be self-employed to get a home loan?
Most lenders require at least 2 full years of self-employment supported by tax returns and financial statements. Some lenders consider applications from 12 months of ABN registration, particularly with a strong financial profile and relevant industry experience. Lendology identifies which lenders apply which criteria.
What income documents do I need?
Typically: personal tax returns and ATO Notice of Assessment (2 years), business tax returns (2 years), financial statements (profit and loss, balance sheet), and business bank statements. The exact requirements vary by lender and income structure. Lendology prepares a specific document list for your situation.
What is a low-doc home loan?
A low-documentation loan allows borrowers to declare their income without providing full tax returns - typically using a declaration form supported by BAS statements or bank statements. Low-doc loans generally carry a higher interest rate and stricter LVR requirements. Lendology assesses whether low-doc is appropriate or whether full-doc with the right lender is a better outcome. Learn more on our low doc and alt doc loans page.
Can I borrow if my business has had a difficult year?
Potentially - it depends on the trend over the past two years, your overall financial position and which lender assesses your income. Some lenders average the last two years; others take the most recent year. Lendology identifies the most favourable assessment approach for your situation.
Related services

You might also be interested in

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Refinancing
Self-employed borrowers can often refinance to a significantly better rate once they have 2 years of trading history. Lendology runs the comparison.
Learn more →
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Investment loans
Many self-employed clients grow into property investment. Lendology understands how to structure lending around business income to maximise borrowing capacity.
Learn more →
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Pre-approval
Pre-approval as a self-employed borrower requires careful lender selection. Lendology identifies the right lender before lodging, so you get a clean approval.
Learn more →
Local self-employed lending

Adelaide suburbs we serve

Self-employed home loan help across Adelaide - specialist advice for business owners and contractors.

Norwood Burnside Unley Goodwood Henley Beach Glenelg North Adelaide Walkerville Mitcham Brighton
View all suburbs we serve →
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