Stress-free home loans for self-employed borrowers
Easy approval process that understands your business income.
Call 1300 842 405 to speak directly to one of our team.
Higher Borrowing Power
Access your true capacity
Get your income properly assessed so you can borrow what you truly qualify for without arbitrary reductions just because you're self-employed.
Income Recognition
Fair income assessment
We work with lenders who understand how to properly assess self-employed income, including add-backs, depreciation, and retained profits that banks might overlook.
easy
Less paperwork
We require only essential financial records. We understand that your business paperwork doesn't always reflect your true financial position.
free
No cost to you
We’re paid by the lender, not by you - so you get our expertise and guidance with no upfront or out-of-pocket costs from us. As with any purchase or refinance, standard government fees apply.
Book a call
Rates from 5.19%
Lock in your competitive rate today. One simple application connects you to 1000s of loan options from 30+ different lenders. Our broker team will help you secure the lowest possible rate, potentially saving you thousands over the life of your loan.
Rates from 5.19% p.a. 5.78% CR Fixed 2 Yr OO P&I
30+ lenders to choose from
APPROVAL SUCCESS
Sarah, a sole trader with complex trust investments
We simplified the process and the amount of paperwork needed from Sarah by using only her self-employed income. She received ‘one-touch’ approval, loan docs the same week, and moved into her new home a month later.
Happy homeowners we've helped
How is a Tiimely Home broker different?
Unlock lower rates
Our brokers work smarter to find you the best deal from top lenders, plus exclusive home loans that you won’t find anywhere else. Award-winning service and rates starting at 5.69%.
AI-powered
Our world-first tech means we're more responsive, so you'll get your home loan approval, faster.
No commission, no bias
Our brokers don’t earn commissions, so their only incentive is getting you the best home loan.
Expert service, no bots
No robo-advice. Just real experts to guide you with as much (or little) support as you want. Tiimely Home has helped thousands of happy customers over 8+ years.
How it works
Simple steps to your self-employed home loan
Book a call with a broker
Answer a few questions about your business, income, and home loan needs to help us understand your unique situation.
Review your options
We'll present clear loan options from lenders who specialise in self-employed applicants, with competitive rates and flexible documentation requirements.
Finalise & Celebrate
Once approved, we'll guide you through settlement and you'll join other self-employed Australians who've secured their dream home with our help.
Have questions? We have answers
I've been rejected by my bank because I'm self-employed. How are you different?
Unlike traditional banks that rely on rigid criteria, we work with specialist lenders who understand self-employed finances. These lenders look beyond just tax returns to assess your true financial position, including business add-backs, cash flow patterns, and industry-specific factors. We've helped hundreds of business owners secure approval after bank rejections.
Do I really only need one year's tax returns? Most lenders want two years.
Yes! While most banks require two years of financials, we have access to lenders who can approve loans with just your most recent tax return, particularly if you have industry experience before starting your business. We also have alternative documentation options using BAS statements and accountant declarations for newer businesses.
Won't I pay much higher interest rates as a self-employed borrower?
No. Our self-employed clients access the same competitive rates as PAYG employees. Our brokers don’t earn commissions, so their only incentive is getting you the best home loan. In fact, many of our clients find they save thousands in interest compared to their previous loans after we help structure their applications properly.
I have a complex business structure with multiple entities. Is this too complicated for a home loan?
No, we understand business structures. Whether you operate through companies, trusts, partnerships, or a combination, our brokers have experience navigating these arrangements. We'll work with you and potentially your accountant to identify the strongest application approach based on your unique structure, ensuring all eligible income is considered.
Ready to take the next step?
Call 1300 842 405 to speak directly to one of our team.
Disclaimer
Tiimely Home does not provide financial or investment advice. This material does not take account of your objectives, financial circumstances or needs. Tiimely Home recommends that you seek independent financial, legal and taxation advice before making an investment decision.
IMPORTANT INFORMATION: Any information provided does not constitute an offer of credit and are examples of what may be available to you based on the information available. It does not take into account any product features or any applicable fees. Lending criteria and the basis upon which we assess what you may be able to afford may change at any time without notice. For Fixed Rate home loans, break costs may be payable which can be significant if you change the whole or part of your fixed rate loan or where additional or early repayments are made during th fixed rate period.