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.
Flexible Income Treatment
Some lenders recently updated their policy to allow directors' fees and company dividends to be verified with only one year of documentation.
One-Year Financials Policy
Allow eligible self-employed borrowers to provide just one year of tax returns instead of the standard two.
Strategic Timing:
Lenders in 2026 scrutinize declining turnover trends heavily. Advise clients to apply when their BAS shows consistent or upward growth.
LMI Waivers
Remind professionals (like Accountants or Lawyers) that even if they are self-employed, they may still qualify for LMI Waivers up to 90-95% LVR if their individual income exceeds lender thresholds (often $150k+).
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?
-
Yes. We work with lenders who accept one year of tax returns for self-employed applicants and business owners.
- How is my income calculated?
-
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?
-
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?
-
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?
-
Sole traders, companies, and partnerships are all considered. We work with lenders experienced in assessing various business structures.
Step 1: The Strategy Session (Kick-Off)
- What happens: A 30-minute deep dive into your goals.
- Key focus: We identify your "Professional Tier" to unlock exclusive benefits
like LMI Waivers or Discounted Interest Rates.
- Your Action: Secure your session via our Online Booking Portal.
Step 2: The Digital Vault (Document Collection)
To move fast, we need a clean "Credit File." Use our secure portal to upload your essentials:
Step 3: The Blueprint (Pre-Approval)
- What happens: We compare over 5 lenders (Major Banks & Specialists) to find
the sharpest professional package.
- The Result: Pre-Approval (valid for 90 days), giving you the green light to bid with confidence.
Step 4: The Green Light (Formal Approval)
- What happens: Once you’ve found a property, we order the valuation and submit for "Unconditional Approval".
- Tech-Driven: Sign your loan offer digitally via secure e-signature platforms.
Step 5: The Handover (Settlement)
- What happens: We coordinate with your solicitor and the bank to manage the transfer of funds via PEXA.
- The Result: Settlement is complete—you get your keys!
Step 6: The Watchdog (Post-Settlement)
Our Promise: Your loan isn’t "set and forget." We provide ongoing services such as Annual Rate Reviews. We keep an eye on property growth to ensure another investment. Regular updates on current property market.
