Simple, flexible finance for business owners.

Self-Employed Home Loans in Perth

If you run a business, your loan should be structured around how you actually earn.

Most brokers treat self-employed income like PAYG. We don’t.

Your income changes.
Your tax strategy changes.
Your financials aren’t always simple.

We help you get a home loan based on your real financial position, not just last year’s tax return.

This includes:

ABN under 2 years
Companies, trusts & holding structures
Declining or fluctuating income
Heavier tax minimisation strategies
Multiple income sources
Director loans, dividends, distributions
Minimal documents available or tax returns that dont represent the whole picture

What we specialise in

Full-doc lending

When you have two years of tax returns but need a lender who interprets them properly.
Alt-doc & low-doc lending

For contractors or business owners who don’t have clean tax returns or need flexibility.
Complex entity lending

Company, trust or partnership structures — streamlined and explained clearly.

Some lenders accept 12 months or we have options for no tax returns required.

If you are a director and pay yourself a consistent amount each week, there are lenders that will accept this as payg income.

Not always — it depends on director salaries, retained profits and add-backs.