Self-Employed Home Loans Perth

Home Loans for Self-Employed Borrowers

Your income is unique. Your finance should be too.

When you're self-employed, your financial position can look very different from a standard employee's.

You may operate through a company or trust, have fluctuating income, claim legitimate business expenses or receive income from multiple sources.

Different lenders have different ways of assessing self-employed income and different documentation requirements. That's why we don't take a one-size-fits-all approach. We look at your overall financial position and explore lenders whose policies may be suitable for your circumstances.

What Can We Help You With?

• Buying Your First Home — Ready to make the move into home ownership? We can help you understand your borrowing position and explore suitable home loan options.
• Buying Your Next Home — Whether you're upgrading, downsizing or moving to a new property, we'll help you consider your finance options based on your current circumstances.
• Refinancing — Your business and financial position may have changed since you first took out your home loan. We can review your existing finance and explore whether refinancing could be right for you.
• Property Investment — Looking to build or grow your property portfolio? We'll consider your existing lending, income and broader goals when exploring investment finance options.
• Construction Finance — Planning to build your own home or an investment property? We can help you understand construction finance and the lending options available to you.

Why Choose Brighton Finance?

We understand business because we've been there too.

Brighton Finance founder Chintan Shah brings more than mortgage broking experience to the table.

Before establishing Brighton Finance, Chintan owned and operated several businesses, including a petrol station, newsagency and lottery business. He understands the realities of running a business, managing cash flow and making important financial decisions.

That real-world experience, combined with his mortgage broking expertise, gives Brighton Finance a practical understanding of the challenges self-employed borrowers can face.

• Personalised Lending Strategies — We take the time to understand your business, income and financial goals before recommending suitable options.
• Access to Multiple Lenders — Different lenders assess self-employed income differently. We compare suitable options across our lender panel.
• Clear, Straightforward Advice — We explain the lending process and documentation requirements without unnecessary jargon.
• Support From Application to Settlement — We guide you through the process, communicate with the lender and keep you informed along the way.
• Long-Term Relationships — Your business and financial circumstances can change. We're here to support you beyond a single loan.

What Do You Need to Apply?

The documentation required for a self-employed home loan depends on your business structure, income and the lender you're applying with.

You may need information such as:

If your financial situation is more complex, don't assume that means you can't get finance. We'll help you understand what information is needed and identify lending options that may suit your circumstances.

• Personal and business tax returns
• Financial statements
• Business bank statements
• Evidence of income
• Details of existing loans and liabilities
• Identification
• Details of your assets and financial commitments