I'm Self Employed

As a self-employed borrower, you will most likely have to provide more information than the average borrower. At State Custodians, our Lending Specialist can assist with ensuring you have right the documentation in place, Call us on 13 72 62

Do any of these apply to you?

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Trading for two years with financials up to date

If you have lodged your tax returns for the last financial year you will be in the best position to secure some of the most competitive home loans on the market. Two years tax returns will be used to verify your income, but interestingly lenders differ in their treatment of the two years.

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PAYG income to contracting

Often you can earn more by contracting than being employed, but by doing this you may not realise the impact this will have on your ability to get a home loan. Most lenders will not want to use your income until you have lodged two years tax returns but there are options so you don't need to put your life on hold.

What lenders look for

  • Consistency

    Whether it is tax returns or alternative documents above, lenders are looking for positive, consistent trading figures.

  • Steady Growth

    Lenders like to see you income figures increasing over time with no dramatic fluctuations from year to year.

  • Realistic Estimates

    The alternative documents show a sales figure without all the expenses deducted. Lenders calculate an annual sales figure from these and apply a net profit percentage in order to get an estimate of what the net income figure might be. This is compared to your estimate to determine if it is realistic.

How we can help

Our experienced Lending Specialists understand lending for self employed borrowers. They can discuss your options at a convenient time and help find a home loan that suits you.

They can also assist with applying and make the process simple and straightforward. Best of all they will keep you updated so you know what is happening.

Self Employed Home Loan Options


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Why Choose State Custodians?

  • Online Expertise

    We can help navigate home loan solutions with access to a range of specialised self employed options

  • Quick Response

    From a quick question to a detailed discussion, no need for appointments, just phone, email or Live Chat

  • Personalised Service

    A dedicated Lending Specialist can do the hard work for you, from exploring options to simplifying the process

  • Quality Assured

    We hold a full credit licence and are a member of the MFAA and the Credit & Investments Ombudsman



Very, very impressed

Dealings in the initial stages was great - quick/prompt/friendly service - fast application turnaround. And once approved, went over and beyond for me. Took the time to explain the products and also to understand my situation and financial goals. This is rarely seen in the financial lending world....! Great service - very very impressed.

Nunawading, VIC

Terrific customer service

Despite the complexities of our situation, the team has shown terrific customer service in handling our numerous tasks and ensuring we are able to meet our timeframes. Please pass on our thanks, we look forward to a smooth settlement and financial arrangement with your organisation.

Drummoyne, NSW

Couldn't be happier

Amazing staff who were very patient and replied quickly to all calls and emails. Some companies we contacted took days to return calls but I need waited more than half an hour with State Custodians. Loan was processed quickly with no hassles. Rates are great and low fees. Couldn't be happier with the whole process.

Murrumbeena, VIC


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Our team of experienced Lending Specialists are ready to help you.