Getting a home loan when you are self-employed or run a business does not have to be complicated. At SaaN Home Loans, we work with lenders who only require one year of tax returns to assess your application — no two-year history, no excessive documentation, no unnecessary delays.
We assess your income using your company wages alone, or add your net profit on top of that — whichever gives you the strongest borrowing position.
Why Choose SaaN Home Loans?
Our approach is built on clear communication and personalized support. We believe every first home buyer deserves expert guidance without the confusion, and we're here to make that happen for you.
to self-employed income — not just a box-ticking exercise.
using the method that works most in your favour.
paid by the lender after settlement.
FAQs
- Do I really only need one year of tax returns?
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Yes. We work with lenders who accept one year of tax returns for self-employed applicants and business owners.
- How is my income calculated?
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We use your company wages as a base. Where it strengthens your application, we can also add your net business profit on top of that.
- What if my income varies year to year?
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Variable income is common for business owners. We select lenders who take a practical view of your income rather than penalising fluctuations.
- Can I borrow for an investment property as a self-employed applicant?
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Yes. Self-employed borrowers can apply for both owner-occupied and investment loans. We find the right structure for your goals.
- What business structures are accepted?
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Sole traders, companies, and partnerships are all considered. We work with lenders experienced in assessing various business structures.
Free Consultation
We review your income, borrowing capacity, and eligibility.
Lender Match
We identify the lender with the best specific policy for your goals.
Application
We prepare and submit your full application.
Settlement
Your loan settles with thousands saved in LMI from day one.
