Being self-employed shouldn’t limit your property ambitions. Lenders often have stricter documentation requirements for self-employed borrowers, making it harder to secure a home loan that fits your lifestyle and goals. That’s where Fox Home Loans can help.
Whether you’re buying your first home, upgrading to a larger property, refinancing an existing loan, investing in property, or funding renovations, a self-employed home loan can give you access to tailored lending solutions that understand your income structure.
At Fox Home Loans, our dedicated team take the time to understand your financial situation and aspirations. We work with a panel of 50+ lenders to structure a loan that fits your needs, simplifies the process, and helps you achieve your home loan goals!
A self-employed home loan is specifically designed for sole traders, company/business owners, and contractors. Lenders generally assess your income using tax returns, business accounts, and other documentation, rather than relying solely on standard pay slips. However, there are some lenders that allow payslip or director wages as sole proof of income. This gives you a fairer opportunity to access finance for a wide range of purposes.
Lenders typically require one or more of the following documents to verify your income:
Owning, upgrading, or investing in property while self-employed doesn’t have to be complicated. With Fox Home Loans, you get access to multiple lenders, expert guidance, and flexible loan solutions for every property goal on the Sunshine Coast.
Speak with our expert mortgage brokers today for a confidential, no-obligation chat. We’ll guide you through how a self-employed home loan can work for you and help you secure your next property with confidence!
Home loan pre-approval is a process by which a lender reviews your financial and credit history to determine how much money they would be willing to lend you for a home purchase. Pre-approval is not a guarantee that you will receive a loan, but it does provide an indication of how much you can borrow and the terms of the loan.
To obtain pre-approval, you typically need to provide the lender with information about your income, assets, and debts, as well as your credit score. The lender will use this information to assess your creditworthiness and calculate how much they are willing to lend you.
The pre-approval process typically takes a few days to a week, depending on the lender and the complexity of your financial situation. Once you receive pre-approval, you can start shopping for homes with the confidence of knowing how much you can afford to borrow.
Enquire for Pre ApprovalA first home buyer loan is a type of home loan specifically designed for individuals who are purchasing their first home. These loans typically have features that are intended to help first-time buyers enter the property market, such as lower deposit requirements, reduced or waived fees, and government incentives.
It’s important to do your research and compare the features and costs of different loans to find the one that best suits your individual needs and financial situation. Or leave it to the experts at Fox Home Loans. We’re here to help first home buyers navigate the complex road to owning their first home.
Enquire for your First Home LoanHome loan refinance is the process of replacing an existing home loan with a new loan from a different lender or with a different loan product from the same lender. The primary purpose of refinancing a home loan is usually to obtain a better interest rate or to access different loan features or benefits.
When you refinance a home loan, you essentially pay off the existing loan with a new loan, and the terms and conditions of the new loan may differ from those of the old loan. For example, you may be able to obtain a lower interest rate, switch from a variable rate to a fixed rate or vice versa, or access features such as offset accounts or redraw facilities.
Refinance your Home LoanBefore you start the process of switching home loans, it’s important to consider why you want to make the switch. Do you want to lower your interest rate, access different loan features, or consolidate debt? Understanding your reasons for switching can help you choose the right loan product and lender.
It’s important to note that switching home loans can be a complex process, and it may be helpful to seek advice from a mortgage broker like Fox Home Loans to ensure that you are making the right decision for your individual circumstances.
Switch Home LoansAn investment property loan is a type of home loan designed specifically for individuals who are looking to purchase a property for investment purposes rather than to live in themselves. These loans are typically used to purchase a property that will be rented out, with the rental income used to help repay the loan.
It’s important to carefully consider the costs and risks associated with investing in property and to do your research to find the right investment property loan for your needs. A financial advisor or mortgage broker may be able to provide guidance and advice to help you make informed decisions about your investment strategy.
Enquire for an Investment Property LoanA renovation home loan, also known as a home renovation loan or a home improvement loan, is a type of home loan that is specifically designed for borrowers who want to renovate or improve their existing home. These loans can provide funding to cover the cost of renovations or improvements, which can be a more affordable way to upgrade a home than selling and buying a new property.
If you are considering a renovation home loan, it’s important to have a clear understanding of your renovation plans and budget, and to work with a reputable lender or mortgage broker who can help you find the right loan product for your needs.
Enquire for a Renovation Loan
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Enter some basic details in our simple online form.
Discuss your loan preferences and application information.
Your Lending Specialist will discuss all details of your pre-approval.
With our technology, you can simply sign your loan documents electronically.
Your loan funds will be processed when settlement is finalised. It's that simple!
Enter some basic details in our simple online form.
Discuss your loan preferences and application information.
Your Lending Specialist will discuss all details of your pre-approval.
With our technology, you can simply sign your loan documents electronically.
Your loan funds will be processed when settlement is finalised. It's that simple!
Enter some basic details in our simple online form.
Discuss your loan preferences and application information.
Your Lending Specialist will discuss all details of your pre-approval.
With our technology, you can simply sign your loan documents electronically.
Your loan funds will be processed when settlement is finalised. It's that simple!
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A self-employed home loan is designed for sole traders, company/business owners, and contractors, using a variety of different options to assess income. This lets lenders fairly evaluate your borrowing capacity and provide loans tailored to your unique financial situation.
It can be used for buying a home, upgrading, refinancing, investing, or funding renovations, with flexible terms that recognise self-employed income.
Yes. Self-employed customers can access tailored home loans through Fox Home Loans. Lenders assess business income and financial documents to provide competitive loans for buying, upgrading, refinancing, investing, or renovating.
Our brokers guide you through the process, simplifying approvals and helping you secure the best loan for your circumstances.
A self-employed home loan can cover a wide range of purposes: purchasing your first home, upgrading to a larger property, refinancing an existing loan, buying an investment property, funding renovations or property development.
This flexibility ensures your loan matches your financial situation and long-term property goals.
Unlike standard home loans, self-employed home loans use a variety of different options to assess your income. This approach provides a fairer assessment of borrowing capacity for those with variable or non-traditional income streams.
It also allows access to competitive rates, flexible terms, and loans structured to suit self-employed borrowers.
