Turning Hard Work Into Home Ownership
Tasmania is full of self-starters — from tradies and farmers to café owners, contractors, and creative professionals. If you’re self-employed, you already know how much effort goes into running your business. But when it comes to buying a home, many Tasmanians find the banks make things harder than they should.
At Finance Brokers Tasmania, we make the home loan process easier for the self-employed. With access to a wide range of lenders and years of experience helping Tasmanians, we’ll guide you through every step
Why Self-Employed Borrowers Face Hurdles
Most lenders want neat, regular payslips — which doesn’t reflect the reality for many business owners in Tasmania. Seasonal farming income, fluctuating hospitality trade, or project-based contracting can make your financials look “irregular” on paper, even when your business is thriving.
Banks may ask for:
- Two years of tax returns (business and personal)
- Profit and loss statements
- BAS statements or accountant’s declarations
If you don’t have all this on hand — or your income looks inconsistent — we can help present your case in the best light, or match you with lenders who are more flexible.
Loan Options for the Self-Employed
Full-Doc Loans
- Best if you have up-to-date financials.
- Higher borrowing power and sharper rates.
Low-Doc Loans
- Use BAS, bank statements, or an accountant’s letter to verify income.
- Great for newer businesses, contractors, or when tax returns aren’t ready.
Specialist Lenders
Can accommodate irregular or project-based income.
Flexible options for seasonal industries like farming, fishing, and tourism.
Boost Your Buying Power
If you’re self-employed in Tasmania, you may also be eligible for government support to make buying a home easier
Make Your Business Work for You
Being self-employed shouldn’t hold you back from home ownership. We’ll help you unlock the right finance so you can put down roots and enjoy the rewards of your hard work.