If you're self-employed and looking to buy a home, understanding your borrowing capacity is essential. Our calculator helps you estimate how much you can borrow based on your income and expenses. For more information, visit our Borrowing Power Calculator or learn about the First Home Buyer programs. If you're considering refinancing, check out our Refinance Guides.
Being self-employed often involves variable income, which can make qualifying for a home loan more complex. Our tools and resources are designed to help you navigate this process and prepare a strong application.
Understanding Self-Employed Home Loans
Getting a mortgage as a self-employed individual requires demonstrating stable income and financial stability. Lenders often request additional documentation such as two years of income tax returns and business activity statements. It's important to maintain organised records to streamline the process.
How Our Calculator Works
This calculator considers your income, expenses, existing debts, and the current interest rate of 5.99% p.a. as of March 2026. It provides an estimate of your borrowing capacity and potential weekly or monthly repayments.
Factors Affecting Your Loan Eligibility
- Income stability and history
- Business profitability and cash flow
- Credit score and existing debts
- Deposit amount and savings
Choosing the Right Suburb
Location plays a significant role in your home loan application. Explore popular suburbs like Sydney or consider emerging areas for better value. Our First Home Buyers Guide provides insights into choosing the right suburb and property type.
Additional Resources
Learn more about investing in property here. To get personalised advice, contact our team to discuss your financial situation and eligibility.
Using our self-employed home loan calculator, you can get a clearer picture of your borrowing potential and plan your property journey accordingly. Remember, rates are currently from 5.99% p.a., so it's a good time to explore your options.
For personalised assistance and to start your application, visit our Contact Us page. Our team is here to help you navigate the home loan process with confidence.