mortgage broker for self employed
Specialist mortgage broking for contractors, freelancers, business owners and sole traders — we simplify income checks and present lender-friendly options.
Self-employed income can be interpreted differently by each lender. Gold Leaf Finance works with accountants and lenders to package your income documents clearly so lenders can assess your application with confidence.
Getting a home loan when you're self-employed can be different — and that's okay
Lenders look for consistent, verifiable income. For self-employed applicants this often means more paperwork and different assessment rules compared with PAYG employees. Gold Leaf Finance specialises in packaging financials, interpreting accountant-prepared statements, and selecting lenders that understand small business income.
We know what lenders want
From ATO income statements to accountant-signed profit & loss, we know the paperwork lenders accept and how to present it clearly.
Tailored lender matching
Not all lenders assess self-employed income the same way. We compare options and prioritise lenders known to be flexible with business income structures.
End-to-end application support
We coordinate with your accountant, compile documents, lodge the application and manage communications to improve clarity and speed.
How Gold Leaf Finance helps self-employed applicants
Document review & packaging
We review ATO income, BAS, profit & loss, business bank statements and accountant letters to create a lender-ready summary that highlights stable income streams.
Lender selection & strategy
We identify lenders and loan structures that typically assess self-employed income favourably — including those who accept accountant-prepared forecasts or alternate income evidence where appropriate.
Application management
We prepare the application, handle follow-ups, and liaise with lenders and your accountant so the process runs as smoothly as possible.
Every business is different. We’ll discuss the best way to present your income to lenders and explain what additional information could help your application. This is general information only and not personal financial advice.
Common documents self-employed applicants may provide
- ATO tax returns and notices of assessment (often the starting point for income assessment)
- Profit & loss statements and balance sheets prepared by your accountant
- Business Activity Statements (BAS) and business bank statements
- Accountant's letter outlining trading history and ATO evidence
- ABN registration and record of business activity
Different lenders accept different combinations of the above. We’ll help you understand what each lender requires so you don’t waste time on unsuitable applications.
Frequently Asked Questions
Lenders review evidence such as tax returns, ATO income statements, accountant-prepared profit & loss, and business bank statements. Assessment varies by lender — some place weight on recent trading history, while others may accept accountant projections. Gold Leaf Finance explains which evidence will be most persuasive for a chosen lender.
Commonly requested documents include recent tax returns and notices of assessment, accountant-prepared financials, BAS, business and personal bank statements, ABN registration and an accountant's letter if available. The exact list depends on your business structure and the lender.
Variable income can be assessed, but lenders look for a reliable history and evidence of ongoing contracts or contracts pipeline. We can help package your invoices, bank statements and accountant confirmations to demonstrate income stability and assist you in selecting lenders that consider variable income favourably.
An accountant can prepare profit & loss statements, provide a letter confirming trading history and help ensure your tax returns and BAS are accurate. These documents often strengthen an application. Gold Leaf Finance works with accountants where needed to present lender-friendly documentation.
Self-employed? Let's make your income clear to lenders
Gold Leaf Finance will review your documentation, recommend lender-friendly packaging and manage the application process so you can focus on your business.
Gold Leaf Finance is a credit representative (Credit Representative Number 574275). This information is general in nature and does not take into account your personal financial situation. It is not personal financial advice. Eligibility criteria apply and outcomes are subject to lender assessment.
Category: Home Loans