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Your Guide To Buying A House When You’re Self-Employed

Do you run a great business but your bank doesn’t see your potential? We do and we’re self employed so we get you. Every business owner sets up their operation to achieve freedom, take control of their life and create a bigger and better future for themselves and their families. Let us help you find a lender that understands your business performance and financials.

There are many options for the self-employed when it comes to buying property, especially if you enlist the help of an experienced mortgage broker. Whether it’s using your financials BAS or discussing options with your accountant, we don’t stop until every stone has been turned over to give you the outcome you’re looking for.

These tips and tricks will help you navigate the complicated world of securing a mortgage and buying a property as a self-employed individual.

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Our Guide To Buying A House When You’re Self-Employed

Are you buying a house when you’re self-employed? Don’t let one bank tell you how much you can borrow. Being self employed, each bank has a different way of interpreting and using your financials. By comparing and giving you options you’ll realise that our knowledge will give you flexibility when it comes to your borrowing capacity, deposit required and the interest rate you’ll pay.

We specialise in helping frustrated self employed business owners. We’ll take care of your loan and finance needs while you focus on what you’re great at doing; running your business.

Keep reading to explore our guide for buying a house when you’re self-employed to allow you to better navigate the home-buying process.

Did you want to use your most recent financials or perhaps the previous years? Do you have “add backs” within your financials that some lenders have overlooked? With an eye for detail and in-depth knowledge of specialist self employed lenders and their policies – our expertise is the confidence you need. You’re in safe hands with Atelier Wealth’s mortgage brokers.

Do you want to maximise your borrowing capacity? Are you trying to balance your income for tax effectiveness? We can run your numbers in conjunction with your accountant to find the sweet spot for your income, your financials and your property aspirations to ensure you’re able to achieve what you wanted to.

Too often we see self employed clients who have gone back to their bank of choice but have been disappointed to find that they have limited options. Times have changed and more banks have become self employed friendly. They simply want to understand how your business is performing and not have a static view of your business. We’ve looked under the hood of many different businesses, all at different stages of growth and across multiple industries. Their feedback to us is that they have been grateful for our help – they have felt a bit of despair throughout the loan process and experience frustration that they can’t get clear answers.

Our goal is to make your life easy so you can focus on buying your next property and growing your business – we’ll take care of your loans. Our advice is, engage us early so we can be part of your planning and discussions with your accountant.

In the past when you heard that a lender specialised in helping self employed borrowers, you probably associated them with high interest rates and fees. We’re here to share the good news. This isn’t the case at all. Many of the mainstream lenders have very flexible policies for self employed clients.

Another misconception is that you need to provide mountains of documents. If you can be organised with your most two years of company financials and tax returns – that’s often a great place to start.

Just because you are self-employed doesn’t mean you are limited in terms of your borrowing capacity. With our meticulous approach and tenacity to solve problems, you can have faith that we’ll give you options and offer possibilities you may have thought were not achievable.

It’s crucial to find an experienced mortgage broker who has experience assisting clients with buying a house when you’re self-employed. Our award-winning mortgage brokers can help guide self-employed individuals through the home-buying journey. We’ll also provide them with additional information, catering to their unique situation. We understand that every single client faces challenges. We help identify these challenges and overcome any hurdles in time to secure their loan.

FAQ’s

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Happy Clients Say

We want to express our gratitude for your exceptional efforts in successfully completing this purchase. Your professionalism, attention to detail, and timely communication made the entire process smooth and stress-free.

Thank you once again for your valuable assistance.

Behrang and Sherry

Aaron had a very friendly and welcoming character, which is a nice change to dealing directly with the large banks which can be quite a soulless interchange. The process has been seamless from start to finish with consistent communication. I would also add that at no point have I felt like a commission cheque – which I have felt many times before with previous brokers – so I have to say that is very refreshing. I’ve since provided Aaron’s details to some very close friends and colleagues.

Mathew A
Investor

Aaron was a pleasure to deal with when buying my first home last year. Initially, the entire process felt overwhelming, however when Aaron became involved his advice and professional manner made me feel very comfortable. He was always available to answer questions and provide guidance, and still contacts me well after my loan settled to have a quick talk and make sure everything is okay.

Michael S
First Home Buyer

Aaron could not have been more helpful, from the moment we first met until settlement. He clearly guided us through the whole process and ensured that if we had any questions along the way, we received clear and concise answers as soon as possible. He really took a lot of the stress out of the process. We were extremely grateful for Aaron’s service and would not hesitate to recommend him to anyone who is looking to buy a new home.

Ashleigh S
Home Buyer

Aaron is a thorough professional. We are floored at the speed with which our case, capsuled in all possible challenges facing our loan application, was taken up. He ensured timely communication on documentation required, getting the right feedback from lenders, evaluation agencies, etc. The mechanism of putting a personalised mortgage angel in place for feedback and updates during the settlement period is unheard of. Finally, the personal touch from Aaron staying in regular connect kept our anxiety away during the whole process.

Michael & Bianca W
Investors

We can’t thank you enough for all of your hard work and support throughout the purchase of our first home. Nothing was ever too much trouble, and you made this rather daunting process much easier – and dare we say, even enjoyable. Your knowledge made us feel like we were in safe hands and you constantly exceeded our expectations. Thank you again.

Sarah and Kate O
First Home Buyers

I am a BDM with Nab Broker working with over 300 Brokers. I have been working with Aaron for over a year and in this time I have really enjoyed working with him. Aaron is extremely knowledgeable and is focused on finding the right solution for each and every one of his customers. He goes above and beyond for his customers and is a pleasure to work with. Aaron is, in my opinion, the future of the broking industry. He brings credibility and trust and will be a huge force moving forward.

Ryan M
BDM
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