Self-Employed Home Loans in Sunshine Coast

A Self-Employed Loan is a home loan specifically designed for people who run their own business, whether you're a sole trader, company director, freelancer, or contractor. Unlike typical home loans, these loans allow you to prove your income using alternative methods such as tax returns, BAS statements, business bank statements, or even a straightforward accountant’s declaration.

If you’re one of the self-employed locals here on the Sunshine Coast, you know that being your own boss comes with plenty of perks, like flexibility and freedom, but getting finance approved is often a different story. The banks love their paperwork, payslips, and regular salary deposits. But what if your income doesn't fit neatly into their boxes?

That’s where we come in. At I Know The Broker (IKTB), we specialise in self-employed home loans. We speak your language, understand your business, and have the expertise to clearly present your income to lenders in a way that makes sense to them—and gets your loan approved.

Best of all, our service is totally free for you. IKTB is paid directly by lenders once we successfully settle your loan. If you’re tired of banks saying "no" or just want someone who gets the reality of running a business, book a free consultation with IKTB today and see how we can make your home loan easier.

• Tax Returns: Typically, the standard proof, but we have lenders who only require one year's return. 
• Business Activity Statements (BAS): Ideal if your tax returns don't reflect your current revenue and cash flow. 
• Business Bank Statements: To demonstrate your actual turnover, especially useful if your income fluctuates seasonally. 
• Accountant’s Declaration: A simple letter verifying your income when detailed financials aren’t yet available.

Traditional banks look at payslips and steady salaries because it’s simple for them. As a business owner, your income might vary each month or each year, especially if you're reinvesting profits back into your business or minimising tax. To the bank, this can seem risky, even though your actual cash flow might be perfectly healthy.

Common challenges for self-employed Sunshine Coast locals include:

• Shorter ABN History: Banks usually want at least two years of trading. We’ve successfully found lenders who accept businesses with just 6-12 months of ABN registration.
• Minimised Taxable Income: Good accountants minimise your tax, but banks often see this as lower earnings. At IKTB, we add back legitimate deductions like depreciation, super contributions, one-off expenses, and even personal vehicle costs. This boosts your assessed income, giving you higher borrowing power.
• Complex Structures: Trusts, partnerships, and multiple businesses are great tax strategies, but can confuse standard banks. We specialise in clearly presenting your structure and income to lenders, maximising your chance of approval.
• Fluctuating Income: Seasonal businesses like tourism or trades can make your income appear inconsistent. We strategically average or demonstrate growth to lenders, showing your true financial strength.

At IKTB, we understand self-employed lending because we’re local business owners ourselves. Our brokers live on the Sunshine Coast and genuinely get the challenges you face. Here’s what makes us different:

• Zero Broker Fees: You pay nothing directly to us. Our service is completely free to you—we’re paid by the lenders when your loan settles.
• Genuine Local Knowledge: Our brokers know the local economy, from Noosa cafes to Mooloolaba tradies, ensuring we understand your business realities.
• Personalised Solutions: No one-size-fits-all. We structure each loan specifically to your business’s unique income and situation.
• Specialist Lender Relationships: With access to over 65 lenders, we match you to lenders who understand—and even prefer—self-employed borrowers.
• Proactive, Ongoing Support: We’re not set-and-forget brokers. We support you through your home loan journey, now and into the future.
  

Here’s how we simplify the loan process:

To streamline approval, gather:

• Most recent BAS or tax returns
• Recent business bank statements
• Accountant’s contact details
• Outline of your business structure and any debts

Sarah and Luke run a busy landscaping business in Buderim. After being rejected by two banks because of fluctuating seasonal income and tax minimisation, they almost gave up their dream home search.

We stepped in, reviewed their financials, and discovered over $40,000 in legitimate business expenses, including vehicle depreciation and super contributions, which could be added back as income. We presented this clearly to a lender specialising in self-employed applicants.

Result? Sarah and Luke were approved for their dream property in Buderim with minimal hassle. As Luke told us later, "IKTB made us feel seen and understood. They got us over the line when no one else could."

If you’re a sole trader, contractor, or small business owner on the Sunshine Coast, getting approved for a home loan shouldn’t feel impossible. At I Know The Broker, we specialise in helping self-employed Aussies access tailored home loan options that make sense. Whether you’re based near our Buderim mortgage broker office or running your business close to Mooloolaba home loan services, our brokers understand how to read between the lines of your financials. Clients often meet with our self-employed loan experts in Noosa and Sunshine Coast lending advisors to structure low-doc or alt-doc loans suited to their income. Wherever you're operating from, our local team is here to get you home-loan ready—without all the red tape.

Running your business shouldn’t mean sacrificing your home ownership dreams. At IKTB, we turn your business success into loan approval success, with tailored strategies and expert guidance every step of the way.

Book your no-obligation chat today. We’ll show you exactly how your self-employed income can be your ticket to home ownership.

Book a chat with a broker,  and let’s make your purchase home ownership dream happen.