We Help Self-Employed People

Home loans that work for the way you work

Being self-employed has its perks - freedom, flexibility, and the satisfaction of building something that's yours. But when it comes time to apply for a home loan, that freedom can suddenly feel like a disadvantage. The paperwork gets trickier, the questions get tougher, and banks that say "yes" to a PAYG employee in five minutes can take weeks to make up their mind about you. At Evergreen Loan Solutions, we get it. We work with sole traders, contractors, freelancers, and business owners every day, and we know exactly how to present your income in a way lenders understand.

So how does it actually work when you're self-employed?

It usually starts with one frustrating question: will a lender even take my income seriously?

Here's how we'll help you figure that out:

• Review your income across BAS statements, tax returns, and business financials to build the strongest possible case
• Match you with lenders whose policies actually suit self-employed applicants - because they're not all created equal
• Look at low-doc and alt-doc loan options if your paperwork doesn't tick every traditional box
• Explore options if you've been trading for less than two years - yes, it's still possible
• Structure your loan so your business and personal finances work together, not against each other
• Handle the back-and-forth with lenders so you can stay focused on running your business

Self-employed lending isn't harder - it's just different. Every lender reads self-employed income a bit differently, and the gap between a "no" and a "yes" often comes down to knowing which lender to approach and how to package your application. Get that part right, and suddenly you've got the same options as anyone else (sometimes better).

Here's how Evergreen Loan Solutions makes it easier

We speak bank. We know the policies, the lenders, and every last bit of jargon — so you don't have to learn a whole new language. We take the time to understand how your business actually works and break everything down in plain English.

Here's what you can expect:

• Advice shaped around your self-employed income, not a PAYG template
• Access to a panel of 50+ lenders - including those who genuinely understand self-employed applicants
• Options when the big banks say no, including low-doc and alt-doc solutions
• A broker who actually picks up the phone

Ready to make it happen?

Let's get the conversation started! Book a free, no-obligation intro call with Evergreen Loan Solutions today.