Can I use my business income to qualify for a self-employed home loan?

Absolutely. At Flexdoc, we know your income doesn’t always show up on a payslip. If you're drawing money from a company, trust, or even invoicing as a sole trader, we can work with that.

Banks want neat, tidy paperwork. They want to see one-two years of tax returns and a fixed salary. But business owners don’t operate like that. Some months you reinvest. Some months you draw more. It’s normal. That’s why we focus on your actual income picture, not just what’s on paper.

We can consider your BAS statements, accountant declarations, and even company financials if available. Our approach is built for the real world — not the red tape.

One of our clients, a Sydney-based marketing consultant working under their sole trader ABN, came to us after being knocked back by their bank. They wanted a self employed home loan, earning over $20k a month, but paying themselves just $4k to keep tax efficient. We helped them structure the application using their business income — not just the low personal salary.

So if your income is irregular, split across entities, or just looks “too complex” for a traditional lender — we get it. And more importantly, we know how to present it in a way lenders understand.

Self-employed doesn’t mean unfinanceable. You just need someone who speaks your language.