Self Employed Home Loans Tewantin

Your income doesn't come on a payslip, and it shouldn't need to look like one. Kate Sadler helps Tewantin business owners get finance sorted properly.

Make an appointment Meet the team

Being self employed is something to be proud of, running your own business, calling your own shots, building something from nothing. But when it comes to getting a home loan in Tewantin, it can feel like the whole system was built for someone with a payslip and a group certificate, not you.

Kate Sadler looks after Tewantin personally, and this is genuinely where her experience runs deepest. Tewantin has one of the highest concentrations of owner-operator businesses in the Noosa region, tradies, marina operators, tourism businesses, creatives, sole traders, and Kate has spent decades learning exactly which lenders assess this kind of income fairly.

"A payslip tells a lender one story. Your business tells a better one, we just need to make sure they're reading the right pages."

Home loan options for self employed Tewantin borrowers

There's no single pathway, the right option depends entirely on your circumstances. Across our panel of 50+ lenders, the main options we work with are:

Full documentation

In many cases, a full doc application using your complete tax returns, financial statements and business financials remains the most suitable pathway. This is always assessed case by case, taking into account your full circumstances.

Fast track lending

Some lenders will consider applications where servicing can be evidenced through wage or trust income alone, verified against your Notice of Assessment. Certain lenders average across two years, which can work in your favour if your income has been consistent.

Alternate documentation

Where your business has experienced improved or changing trading conditions, some lenders will accept BAS as evidence of more recent income, rather than waiting for your next lodged tax return.

Director wage policy

Some lenders will assess wage income alone, provided you've paid yourself a consistent wage from your company for a minimum period, usually six months.

One year self employed

In some circumstances, certain lenders will assess applications based on a single year of financials rather than the traditional two, opening doors for newer business owners.

What we need from you to get started

Every self employed application looks a little different, but generally we'll want to understand:

• How long you've been self employed, and your business structure

• One to two years of tax returns and financials, if available

• Your current BAS statements

• Your most recent Notice of Assessment

• Bank statements showing business and personal income

• What you're looking to purchase, and your deposit position

You don't need any of this perfectly organised before you call. Most self employed clients come to us unsure of exactly what they've got, and Kate helps work out what's needed and which lender actually fits.

Frequently asked questions

How long do I need to have been self employed to qualify?

Most lenders want two years of history, but we have access to lenders who'll work with as little as one year, and in some cases, alternative documentation for those whose tax returns don't yet reflect their current income.

My income runs through a trust or company, can you still help?

Yes. We work with borrowers across all business structures, sole traders, companies, trusts and partnerships, and know which lenders assess each structure most favourably.

Can I use BAS instead of a full tax return?

For businesses lodging BAS regularly, recent statements can demonstrate current trading income, particularly useful if your latest tax return doesn't reflect a stronger recent year.

I pay myself a wage through my company, does that make things easier?

It can. Certain lenders will assess your director's wage on its own under a director wage policy, similar to a standard PAYG applicant, provided it's been consistent for at least six months.

What if my income has changed significantly in the last year?

Alternate documentation using BAS can help evidence a recent improvement in trading, rather than being assessed purely against an older tax return.

I've only been self employed for a year, is that too soon?

Not necessarily. Some lenders will assess applications based on a single year of financials, which has opened the door for a lot of newer Tewantin business owners.

Do I need to have all my paperwork ready before I contact you?

No. Most clients come to us unsure exactly what they've got. We'll help you work out what's needed and gather it properly.

Can you help with SMSF lending if I'm self employed?

Yes, this is common among Tewantin business owners wanting to buy commercial premises or invest through super, and Kate can walk you through the specialist requirements.

What kinds of Tewantin businesses do you typically work with?

Tradies, marina and tourism operators, creatives, hospitality owners and sole traders, essentially the backbone of Tewantin's local economy.

Are you tied to a particular bank?

No. We're independent, so we don't push any bank's products. We search across a panel of 50+ lenders to find what genuinely suits your situation.

Do I need to meet in person, or can this be handled remotely?

Either works. Kate can meet nearby in Noosaville, or manage everything online if that's easier for you.

Can you help with both a home loan and business finance at the same time?

Yes. We regularly coordinate personal lending alongside commercial or business finance for the same client.

Let's talk about your business

If you're self employed and ready to talk about a home loan in Tewantin, get in touch with Kate Sadler. No pressure, no jargon, just straight advice from someone who genuinely understands how business owners earn.

Make an appointment Meet the team

Stalk Our Socials

Why self employed borrowers face a different set of questions

When you're employed by someone else, proving income is straightforward, payslips, a group certificate, a couple of bank statements, and most lenders are satisfied. When you're self employed, the picture is rarely that tidy. Income can fluctuate year to year. Tax returns often reflect last year's position rather than how the business is actually tracking right now. Legitimate business expenses can shrink your taxable income on paper, even when the business itself is doing well. And your structure, sole trader, company, trust, partnership, adds another layer that not every lender is equipped to assess properly.

None of that makes you a harder client. It just means the application needs to be built by someone who genuinely understands how self employed income works, which is exactly where Kate's experience counts.

Tewantin's self employed community

Tewantin has a genuinely thriving community of business owners, tradies, marina and tourism operators, creatives and sole traders. Kate understands the local economy and the income patterns that come with running a business in and around the Noosa region, whether you've been trading for ten years or made the leap six months ago.

This connects directly to broader self-employed home loans and low doc lending across the wider Noosa region, plus commercial lending and SMSF lending for business owners wanting to buy their own premises through super.

Your broker for Tewantin

Kate Sadler founded The Broker Society in nearby Noosaville and has built decades of experience specifically in self employed and complex income lending. If your financials don't look like a standard payslip, this is exactly where her experience makes the difference.

Meet Kate and the team.

Meet Kate Sadler Make an appointment

We work with clients Australia wide, and some of our brokers are located in the following locations

Tewantin Noosaville Noosa Noosa Heads Cooroy Cooroibah
See all the areas we cover