DK Loans
Self Employed Loans Made Clear
Flexible guidance for business owners, sole traders and contractors seeking a self employed home loan. DK Loans is a mortgage broker Craigieburn clients trust for clear support with home loans Victoria borrowers need to navigate lender requirements with confidence.
What We Help With
Support for self employed borrowers
A self employed home loan can be more nuanced than a standard PAYG application. We help structure your application around your income position, business history and lender policy so you can move forward with greater clarity on home loans Victoria lenders may offer.
Sole trader loans
Guidance for sole traders using tax returns, notices of assessment and other supporting documents to strengthen a self employed home loan application.
Company director lending
Support for directors and business owners with complex income structures, retained earnings and multiple revenue sources when applying for a self employed home loan.
Alt doc options
Explore lender pathways that may consider business activity statements, accountant letters or other alternative income evidence where suitable.
Purchase and refinance
Whether you are buying a home, investing or refinancing, we help compare options that align with your goals and cash flow across a range of home loans Victoria borrowers can consider.
What lenders often look for
Requirements can vary by lender, but many self employed home loan applications are assessed around business stability, income consistency, deposit position and overall serviceability.
Common documents may include recent tax returns, notices of assessment, business financials, BAS statements, bank statements and identification. DK Loans helps you understand what is relevant before you apply, so the process feels more organised and less stressful.
Self employed loan FAQs
Helpful answers to common questions from business owners and contractors.
Can I get a home loan if I am self employed?
Yes. Many lenders consider self employed borrowers, but the documents and assessment approach can differ from a standard PAYG application.
How long do I need to be self employed?
Many lenders prefer to see an established trading history, often around one to two years, though some options may vary depending on the scenario.
What documents might I need?
This may include tax returns, notices of assessment, BAS statements, business financials, bank statements and identification, depending on the lender and the self employed home loan option being considered.
Are alt doc loans available?
Some lenders offer alternative documentation options for eligible borrowers. Suitability depends on your income evidence, business profile and overall application strength.
Can I refinance if I run my own business?
Yes. Refinancing may help improve loan structure, cash flow or rate competitiveness, subject to lender approval and your financial position.
How can DK Loans help?
We help you understand lender expectations, prepare the right supporting information and compare suitable loan pathways for your circumstances as a mortgage broker Craigieburn clients rely on for tailored support.