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Self employed? We understand uneven income

Expert mortgage brokers for self-employed Australians. No fee for customers.* Just credit advice from real experts.

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*Customers don't pay fees for broker services. Tiimely Home receives commissions from lenders on settled loans. More information in our Credit Guide

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Getting a home loan while self-employed

Whether you're a tradie, consultant, accountant, or running your own business, you deserve a mortgage broker who understands how self-employed income actually works.

We assess earnings over time

We assess 12 months of financials and understand how to work with variable self-employed income.

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What you'll need:

  • A minimum of 1 year of financials (2+ years is ideal)
  • Your most recent tax return or financial statements
  • Details of any existing property or loan you hold

Meeting these requirements does not guarantee approval.

For self-employed Australians looking to take the next step

  • Refinancing for a better rate

    Could lower your repayments or free up cashflow.

  • Buying your next property

    Get clear on your borrowing power with variable income.

  • Unlocking equity

    Potentially access the equity in your home for business or investment.

  • Debt consolidation

    Combine high-interest debts like credit cards into one low-rate home loan, potentially improving cashflow.

Our mortgage broker specialists

Our mortgage broker team combines deep lending and finance experience, with a genuine commitment to help you find the appropriate home loan.

They take the time to understand your goals and provide clear guidance so you can make confident, informed decisions throughout your home-buying journey.

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Mortgage broker Sam

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Self-employed FAQs

Does it cost anything to use a Tiimely Home mortgage broker?

No. We don't charge any fees to use our mortgage brokers, and they don't work on commission. Third-party and government fees like stamp duty still apply, and some lenders may charge application fees. We'll let you know upfront if this applies. Tiimely Home may receive commissions from lenders.

How much financial history do I need?

A minimum of 1 year of financials. Two or more years is ideal but not always required. Your mortgage broker will guide you on what's needed for your situation.

I've already started a Tiimely Own application. Do I need to start again?

No. Once we have your consent, we'll apply the same information you've already provided to progress your application with our team.

How many loan options will I see?

It depends on your situation, but your mortgage broker will compare a wide range of lenders to find options that suit your needs. We have access to thousands of loan products from over 30 lenders, and with the help of our smart tech, we'll prepare a personalised shortlist for you.

Can I choose which lender I go with?

Yes. If you have a particular lender you'd like to use or avoid, you can discuss this during your initial call.

Ready to chat to someone who gets your situation?

We're ready when you are.

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Important information about rates
*Tiimely Own products are subject to loan-to-value ratio (LVR) requirements, eligibility and credit criteria and terms and conditions. Rates apply to new Tiimely Home customers only and are subject to change without notice.

**The rates shown for products available from panel lenders via Tiimely Home brokers are current based on information from panel lenders and are subject to change without notice. The home loan with the lowest current interest rate is not necessarily the most suitable for your circumstances, you may not qualify for that particular product and the product may not include all the features relevant to you. All applications are subject to lender assessment and approval, and eligibility requirements and terms and conditions apply.

^The comparison rates displayed are calculated for a loan of $150,000 over 25 years. If a comparison rate relates to a Tiimely Own loan with a fixed interest rate, the comparison rate has been calculated on the basis that our current applicable variable rate will apply at the end of the fixed rate period. If a comparison rate relates to an interest only loan with a fixed rate, the comparison rate has been calculated on the basis that the interest only period is the same duration as the fixed rate period. If a comparison rate relates to an interest only loan with a variable interest rate, the comparison rate has been calculated on the basis that the interest only period is 5 years.

WARNING: The comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. All interest rates are subject to change without notice.

Other important information
+Tiimely Home is known for its fast approvals for Tiimely Own products and responsive service, powered by our technology and supported by our team of experts. Application and approval times are estimates only and not guaranteed. Turnaround times are dependent on individual circumstances. Applications for a Tiimely Own loan may require an assessor to obtain more information. Assessment times for home loan applications made via Tiimely Home brokers are dependent on individual panel lenders.

The information provided does not constitute an offer of credit and does not take into account your objectives, financial situation or individual circumstances. We recommend seeking independent financial, taxation and legal advice to check how the information provided aligns with your individual circumstances.

Tiimely Home receives commissions from Tiimely Own loans and, where customers apply for a loan with the assistance of a Tiimely Home broker, from loans settled with panel lenders. Tiimely Home brokers do not receive individual commissions. More information about the credit services provided by Tiimely Home is available in the Tiimely Home Credit Guide (PDF) and Tiimely Home Broker Credit Guide (PDF).