Self Employed Home Loan Perth

Run your own business and need a mortgage? Getting a self employed home loan Perth wide is easier than you think. As your self employed mortgage broker Perth, The Finance Yogi presents your income to 40 plus lenders, full doc or low doc, to get you approved.

Self Employed Home Loan Perth Options

Being self-employed should never stop you buying a home. In 2026, all four major banks accept just one year of financials, so more business owners qualify than ever.

The challenge is rarely your income. It is proving it the way lenders want to see it.

As your self employed home loan Perth specialist, we package your income correctly and match you to a welcoming lender.

What Is a Self Employed Home Loan Perth?

A self employed home loan is a mortgage for business owners, sole traders and contractors, assessed on your business income rather than payslips.

As your self employed mortgage broker Perth, we choose between full doc and low doc based on what presents you best.

In most cases the lender pays us when your loan settles, so our help is usually free to you.

Why Choose The Finance Yogi

When you apply with our self employed home loan Perth team, you get real choice and an application built to get approved.

Self-Employed Borrowers We Help

Our self employed home loan Perth service suits many business owners. We regularly help:

Sole traders and contractors buying a home
Company directors with complex income
Business owners with one year of financials
Buyers who need a low doc home loan Perth
ABN holders who need an abn home loan Perth

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Speak with your local Perth self employed home loan broker today.

Full Doc and Low Doc Explained

There is more than one way to prove your income. We choose the path that presents your self employed home loan Perth application at its best.

Full doc home loan

Uses your tax returns and financial statements. It usually offers the sharpest rates when your returns reflect your true income.

Low doc home loan Perth

Uses BAS, business bank statements or an accountant letter instead of full tax returns. It suits newer businesses, usually up to 80 percent of value.

One year of financials

All four major banks now accept one year of financials, so many business owners qualify for mainstream rates sooner.

Add-backs

We add back items like depreciation and one-off costs that lower your taxable income on paper, which can lift your borrowing power.

Every business is different. We confirm which option suits your self employed home loan Perth application.

A Sole Trader Buying in Perth

Here is a simple, illustrative example of how we present a self employed home loan Perth application. These figures are hypothetical and for general illustration only.

One year of trading with a strong lodged return
BAS and business bank statements to support income
Add-backs applied to reflect your true earnings
A 20 percent deposit to avoid lenders mortgage insurance
We match you to a lender who accepts your profile

Example only. Not a quote, offer, or guarantee of approval. Speak with us for advice on your situation.

The Self Employed Home Loan Perth Process in 4 Steps

Getting approved is straightforward with the right approach. Here is how our self employed home loan Perth process works.

1. Review Your Income

As your self employed mortgage broker Perth, we review your business income and identify every add-back you are entitled to.

2. Choose the Right Path

We decide between full doc and low doc, then match you to a lender whose policy fits how long you have been trading.

3. Package and Apply

We prepare your application the way lenders assess it, then manage their questions through to approval.

4. Settle With Confidence

We guide you through valuation and settlement, then stay in touch to review your loan as your business grows.

Work Out Your Numbers First

Get a feel for your borrowing power and repayments with our free calculators, then we confirm the real figures together.

About Your Broker, Mohit Brahmbhatt

Mohit Brahmbhatt is the founder of The Finance Yogi and a self employed home loan Perth specialist, with over 13 years in finance, including 10 years inside the Big Four banks.

He is a member of the Finance Brokers Association of Australia (FBAA).

He started The Finance Yogi to give Perth business owners honest advice and real choice across 40 plus lenders.

Self-Employed Guides and Tips

After 10 years inside the Big Four banks, I saw too many business owners knocked back for the wrong reasons. Present the income properly and the answer often changes.

Mohit Brahmbhatt

      EXCELLENT  
   Based on 50 reviews 
    
 
 
 
   
 
 
       Posted on Google  
   
   Oscar E. Monsalve 
 
 
 
 Trustindex verifies that the original source of the review is Google. Mohit and his friendly team have been very cooperative with our particular scenario. Always available to reply our queries and helping us to get the best deal. Thank you guys!
  
 
      Posted on Google  
   
   Jasvinder Kumar Singla 
 
 
 
 Trustindex verifies that the original source of the review is Google. Wonderful team and appreciate for their efforts.
  
 
      Posted on Google  
   
   Stephen Abass Koroma 
 
 
 
 Trustindex verifies that the original source of the review is Google. Mohit and the team are the best. They will go far and beyond to see a successful outcome. Appreciate you, guys.
Thank you.
  
 
      Posted on Google  
   
   Selvin Martin 
 
 
 
 Trustindex verifies that the original source of the review is Google. I will give Mohit and his team 5 stars ,because they way they handled my refinance was pure professional skill. Mohit understood the stress that families in Australia undergoes on the mortgage repayments, he came up with ideas very simple and very effective for that was suitable for me and was there right from start till all is completed. I strongly recommend  him to have him as your first approach on bank finances.
  
 
      Posted on Google  
   
   Debadatta Banik 
 
 
 
 Trustindex verifies that the original source of the review is Google. Had really great experience and found professional employees helping me to Finance and refinance my loans. Highly recommend
  
 
      Posted on Google  
   
   Shamantha Bandara 
 
 
 
 Trustindex verifies that the original source of the review is Google. Great service from finance yogi.
  
 
      Posted on Google  
   
   Shrikant Sawant 
 
 
 
 Trustindex verifies that the original source of the review is Google. It's pleasure to announce that our investment property Home loan Proceed Successfully.

Thank you very much to Mohit, Tushar, Umesh and Parth from The Finance Yogi team, for there Help throughout the process.
They are very helpful with  a lot of knowledge in this field.
Once again thanks a lot from us.
Much Appreciated 🙏👍
From
Shrikant and Sanjeevani 🙏
  
 
      Posted on Google  
   
   Sneha Choudhary 
 
 
 
 Trustindex verifies that the original source of the review is Google. As a first home buyer, I appreciated the clear guidance and structured approach throughout the entire process. From pre-approval to settlement, the team (especially Umesh Bhai) was responsive, transparent, and proactive in managing timelines and communication with the bank.

The team provided practical advice on loan structure, fees, and next steps, which helped me make informed decisions with confidence. Settlement was smooth, and the process felt well managed end-to-end.

I recommend them. Thanks !
  
 
      Posted on Google  
   
   Ravi Badiyani 
 
 
 
 Trustindex verifies that the original source of the review is Google. Brilliant Knowledge and skills. Thank you.
  
 
      Posted on Google  
   
   Inner Revolution 
 
 
 
 Trustindex verifies that the original source of the review is Google. Mohit team is recommended by one of my friend and I really recommend The Finance Yogi to rest of people who are looking for reliable and trustworthy financial advisors. Very helpful team and Umesh helped me to sort out all requirements.
  
 
  
  
 
    Verified by Trustindex  Trustindex verified that these reviews were published on The Finance Yogi's Google Business Profile. Learn more

Start Your Self-Employed Home Loan

Ready to work with a self employed home loan Perth broker who gets business income? Book a free, no-obligation chat today.

Talk to a Self-Employed Loan Expert

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TESTIMONIALS

What Real Clients Say About Self-Employed Loans

Ravi and Anita Sole traders, Wanneroo

Mohit knew exactly how to present our business income. Approved when another broker said no.

Josh M. Contractor, Joondalup

He found a lender who accepted one year of figures and explained every step. Brilliant.

Simone K. Company director, Perth

Patient and sharp. He used add-backs we did not know about and lifted our borrowing power.

Faq

Frequently Asked Questions Self-Employed Loans

Self-employed and ready to buy? These answers cover what Perth business owners ask us most.

Can I get a home loan if I am self-employed in Perth?

Yes, and it is easier in 2026. All four major banks now accept one year of financials. As your self employed home loan Perth broker, we present your income to the lenders most likely to say yes.

Is a self-employed home loan broker free?

In most cases, yes. The lender usually pays our commission when your loan settles, so our service is typically free to you. We always tell you how we are paid first.

Do I need two years of tax returns?

Not necessarily. The major banks now accept one year of financials, and a low doc home loan Perth can use BAS or an accountant letter instead. We match you to a suitable lender.

What is a low doc home loan?

A low doc home loan lets you prove income with BAS, business bank statements or an accountant letter instead of full tax returns, usually up to 80 percent of value.

Can I get an abn home loan in Perth?

Yes. We arrange an abn home loan Perth business owners rely on, matching your ABN and GST history to lenders who welcome self-employed applicants.

What are add-backs?

Add-backs are legitimate expenses that lower your taxable income on paper but not your real earnings, such as depreciation and one-off costs. Many lenders add these back to lift your borrowing power.

How much deposit do I need if self-employed?

Often around 20 percent to avoid lenders mortgage insurance and access the sharpest rates. Low doc loans usually need 20 percent. We confirm your exact deposit.

Which Perth suburbs do you cover?

We help self-employed buyers across all of Perth, including Wanneroo, Joondalup, Hillarys and the northern suburbs, in person or online.

Helpful resources: ASIC MoneySmart on home loans and the Australian Taxation Office on business income.

The Finance Yogi, ABN 46 640 520 869. Member of the Finance Brokers Association of Australia (FBAA). The information on this page is general in nature only and does not take into account your objectives, financial situation, or needs. It is not credit or financial advice. All loans and rates are subject to lender terms, eligibility, and approval, which can change. Figures and examples are illustrative only and are not a quote, offer, or guarantee. Please seek advice for your situation. Unit 3/947 Wanneroo Road, Wanneroo WA 6065. Phone 0430 592 745.

Self Employed Home Loan Perth