Securing a home loan when you’re self-employed can feel more complex than it should be. While many lenders prefer the simplicity of PAYG income, business owners often have income structures that require deeper understanding.
At Sidco Finance, we specialise in helping self-employed borrowers across Somerville, the Mornington Peninsula and Melbourne structure home loans that reflect their real financial position.
Traditional lenders often assess borrowing capacity based on taxable income after deductions. For many business owners, that figure does not always reflect true cash flow or overall financial strength.
As an experienced mortgage broker, we work with a broad panel of lenders, including those offering flexible assessment options such as:
Full documentation loans
Alt-Doc home loans
BAS-based assessments
Accountant declaration options
Whether you have two years of financials or need a tailored solution, we help present your income clearly and accurately to lenders.
Sidco Finance understands self-employment because we’ve lived it. Running a business requires resilience, planning and strong financial management.
We take the time to understand your structure, income flow and long-term goals before recommending any loan strategy. This ensures you understand how lenders assess serviceability before an application is submitted.
From your initial borrowing capacity assessment through to settlement, we manage the process on your behalf.
We handle:
Income assessment preparation
Lender comparisons
Policy positioning
Documentation support
Communication with the bank
You stay focused on running your business while we manage the lending process.
If you’re a self-employed professional, contractor, trades business owner or small business operator in Somerville, the Mornington Peninsula or greater Melbourne, we’re here to help.
