Self Employed Loans
It’s not always easy to find a loan product if you are self employed and that is where we can take the time and hassle out of finding the right loan.
Often self employed borrowers find meeting the lending criteria for standard loans difficult. Business cash flows create income that may fluctuate more significantly than other borrowers.
Business owners looking for home and business loans do have competitive loan options available to them.
For those not able to meet the assessment criteria for a full document loan, there is a range of home and commercial loans that have been developed specifically to assist self employed borrowers, including low document home loans.
We will explain which lenders apply which rules, which lenders will use the latest year’s income figures if they’re better than the year before, instead of averaging. We will also show you which lenders will add depreciation and other non cash flow items back into the income which may increase your borrowing capacity.