Can you get a home loan if your self-employed?

You can get a home loan if your self-employed but the process can be more complex compared to a regular PAYG job.

Majority of lenders will want to see at least 2 years tax returns to see if there is fluctuating or stable income. Although most recently there are lenders who will take the last year only, which can suit businesses that have just started or those with a significant increase in income.

Other than tax returns some lenders will require financial reports that include the balance sheet and profit and loss statements, business bank statements and letters from accountants.