02/09/2026
Self-employed? Your income isn't the problem. The paperwork is.
Self-employed and applying for a home loan? The rules aren't different — but the paperwork is.
Banks assess self-employed income differently to a salary. And the details shape what a lender thinks you can afford, and it's often less than what your business actually earns.
This is where the right structure before you apply matters more than the application itself.
If you're self-employed and thinking about buying, the best time to have that conversation is before you're ready to apply — not after a decline.