Self Employed Loans
Being self-employed doesn’t mean your financial options are restricted. As a self-employed borrower, you need a mortgage broker who understands your unique needs and can connect you with the right lender. At KVM Finance, we’re available 7 days a week and have access to over 40 lenders, ensuring we find the best loan solutions to help you achieve your financial goals.
Self-Employed Home Loans Made Simple with KVM Finance
Securing a home loan as a self-employed individual can be challenging, as most lenders require at least two years of self-employment history and tax returns to verify income. Some lenders may accept just one year of tax returns, but they often have complex income assessment rules. This is where KVM Finance can help—you need an expert mortgage broker to guide you through your borrowing options.
What If You Don’t Have Tax Returns?
If you lack tax returns or financial statements, Low Doc Loans might be an option. These loans don’t require full financial documents but rely on an accountant’s letter or Business Activity Statements (BAS) to verify income. Generally, lenders require at least 12 months of BAS statements and use detailed calculations to assess your earnings.
Low Doc lenders typically offer loans of up to 80% of the property value. Contact KVM Finance to explore your options.
Are Low Doc Loan Rates Higher?
Depending on the lender, your business tenure, and loan amount, Low Doc loans may have slightly higher interest rates—typically 1% to 2% per annum more than standard loans. Speak to KVM Finance today to find the best solution for your needs.
45+ Australian Lenders
We work with over 45 Australian lenders, both large and small, ensuring you get the best deal with complete peace of mind.
A team of industry pros to guide you each step of the way
Most people find that mortgage financing is complicated and confusing. We help you buy your dream home by simplifying the mortgage financing process with personalized loan options that save you time and money.
Frequently Asked Questions
We provide a range of home loan options, including first-home buyer loans, investment property loans, construction loans, and low-doc loans for self-employed individuals. Our team helps you find the best fit based on your financial situation.
Refinancing involves switching your current home loan to a new lender or loan product to secure lower interest rates, better terms, or access to equity. It can help you save on repayments, consolidate debt, or fund renovations.
Yes, we assist with bridging loans, which provide short-term funding to help you buy a new property before selling your existing one, ensuring a smooth transition between homes.
If you're paying high interest rates, struggling with repayments, or looking to access equity, refinancing could be a smart move. We can review your current loan and assess whether switching would save you money or provide better benefits.
Refinancing may include exit fees, valuation fees, and loan establishment costs. However, in many cases, the long-term savings outweigh these expenses. We’ll help you calculate the total cost and find the most cost-effective option.