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Self-employed home loans in St Kilda, 3182

Sole traders, contractors and business owners in St Kilda who find their income doesn't fit a bank's tick-box. We introduce you to a licensed mortgage broker who solves exactly this — free, no obligation.

Why St Kilda locals come to Better Way Loan

Every enquiry comes to Aneis personally — no call centre, no runaround. We take the time to understand your situation, then connect you with a licensed broker with access to 20+ lenders who assess the story, not just the tick-box. We help clients across Melbourne Metro and Australia-wide.

Common St Kilda situations we help with

• Recently registered ABN or GST
• Tax returns that don't show your full income
• Add-backs, retained profits or company structures
• Low-doc / alt-doc assessment when the paperwork doesn't tell the whole story

Buying or refinancing in VIC

In Victoria, land transfer duty is administered by the State Revenue Office Victoria, with concessions that have applied to first home buyers and some off-the-plan purchases — worth confirming what's current before you commit. A licensed broker keeps track of what currently applies across Melbourne Metro so you don't have to.

Try the calculators · More on self-employed home loans

Common questions

Can I get a home loan if I'm self-employed with only one year of financials?

Often yes — some lenders accept one year of financials or alternative documentation such as BAS statements or accountant declarations. A licensed broker can identify which lenders fit how your income is documented.

Do low-doc loans cost more than standard home loans?

Usually the rate is somewhat higher than full-doc lending, reflecting the documentation level. Many borrowers refinance to a sharper rate later, once more financial history is available.

What documents do self-employed borrowers typically need?

Depending on the lender: tax returns and notices of assessment, or alt-doc options such as BAS, business bank statements or an accountant's letter. The right path depends on your structure — sole trader, company or trust.

Also serving nearby

Self-employed home loans in Footscray · Self-employed home loans in Dandenong · Self-employed home loans in Frankston · Self-employed home loans in Box Hill · Self-employed home loans in Werribee · Self-employed home loans in Craigieburn

General information only — not credit advice and not specific to your circumstances. Credit assistance is provided by a licensed mortgage broker. Better Way Loan may receive a referral fee if you proceed.