The Self-Employed
Home Loan Playbook.
Everything your bank won't tell you. A practical guide to getting approved for a home loan when you run your own business.
✅ Why your ABN length determines which lenders will work with you, and the shortcuts that bypasses most of the complexity
✅ How to access the 5% Deposit Scheme as a self-employed borrower, and the catch worth knowing before you apply
✅ A concrete five-step action plan including what to say to your accountant before your next return is lodged
GET INSTANT ACCESS
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WHAT’S INSIDE
7 chapters that answer the questions your bank won't
We wrote this because we kept having the same first conversation with every new client, explaining things the banks either can't or won't tell you upfront.
AFTER YOU DOWNLOAD
What happens when you're ready to take the next step
The playbook gives you the knowledge. When you're ready to act on it, here's how we can help.
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Read the playbook
It's designed to be read in one sitting (about 25–40 minutes). Most people say they wish they'd had it a year earlier.
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Book a free strategy call
When you're ready for a real answer on your actual borrowing power, the right lender for your situation, and a clear timeline.
Book a free 15-minute call with our team. No obligation.
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We build your plan
We identify the right lenders for your setup and structure your application to show your income the right way.
If you’re not ready to act now, we will put a plan in place to get you where you need to be.
FREE STRATEGY CALL
See where you actually stand
Book a free 15-minute strategy call to see how much you may be able to borrow as a self-employed business owner.
CLIENT RESULTS
Here’s What Our Clients Say!
150+ five-star Google reviews. Here are a few of the stories behind them.
THE PROCESS
From first call to keys in hand
We make the process straightforward. No chasing paperwork alone, no guessing what the bank wants. We manage it all.
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Free strategy call
We understand your income structure, goals, and timeline. No obligation — we'll tell you honestly where you stand.
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We build your plan
We identify the right lenders for your setup and structure your application to show your income the right way.
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Application lodged
We handle the paperwork, liaise with the lender, and keep you updated at every step. No chasing required.
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Approval & settlement
Conditional approval, then formal approval, then keys. We’ll be there for you during the whole process to confirm everything runs smoothly.
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Together for the long haul
This is just the beginning of our partnership. Our ambition is to help your financial future thrive. We’ll be in regular contact with you to check in on your situation and make sure your loan continues to work hard for your changing situation and goals.
WHY KINGFISHER
We understand self-employed clients
Because we are self-employed
This isn't marketing. We run our own business. We know what it means to have irregular income, a complex structure, and a tax strategy that looks terrible from a banks eyes.
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Long-term strategy, not just this loan
We look at your finances holistically, structuring your loan to also support your tax position and future investment goals, not just get you across the line today.
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Self-employed policy experts
Knowing which of 30+ lenders will look favourably on your income type, structure, and tax returns is genuinely specialised knowledge. This is what we do every day.
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Education first, always
We won't push you into a product. We explain your options, the trade-offs, and what makes sense for your situation. So you can make a confident, informed decision.
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Zero cost to you
Mortgage brokers are paid a commission by the lender upon settlement. You pay nothing, and our goal is always to find you the best available deal, not the one with the highest commission.
READY TO FIND OUT?
Stop guessing.
Book a free call and get a real answer.
In 15 minutes, we'll tell you exactly where you stand, your realistic borrowing power, the right lender for your situation, and a clear timeline. No obligation & No BS.
✓ Free 15-minute strategy call via Zoom or phone
✓ Access to 30+ lenders including self-employed specialists
✓ No fee, ever - we're paid by the lender at settlement
✓ Honest advice even if now isn't the right time
frequently asked questions
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Our services are completely free for you as a buyer. We’re paid by the lenders, not by you. Our role is to help you secure the right loan and set up the right strategy from the very beginning.
We’re also bound by the Best Interest Duty, which means we have a legal obligation to act in your best interest at all times.
It’s important to know that banks don’t have the same obligation. They are not required to put your best interests first. That’s why having us on your side makes a real difference.
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Not necessarily! Depending on your circumstances, you may be able to buy with as little as a 5% deposit by using certain government schemes.
If you have support from a parent or close family member, they may be able to act as a guarantor, which could allow you to purchase a property without needing a deposit at all.
And if these options aren’t available, you may still be able to enter the market by paying Lenders Mortgage Insurance (LMI). In some cases, certain professionals can even qualify for an LMI exemption, helping you save thousands.
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That’s completely fine, many people are in the same boat. This initial consultation helps us understand your goals so we can walk you through both options and what works best for you.
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Yes, having some debt doesn’t automatically stop you from buying. We’ll look at your full financial picture and show you what’s possible.
Some lenders have even started excluding HECS/HELP debt for eligble borrowers, giving some people a big boost in borrowing capacity.
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Once we’ve collected the right information, pre-approvals can often be arranged within a few days. The earlier you start, the sooner you’ll know your buying power.
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Absolutely! Even if your goal is 6–12 months away (or longer), speaking with a broker early can make a big difference.
By understanding your borrowing power, the deposit you’ll need, and any government schemes you may be eligible for, you’ll be able to plan and save with confidence. So when the time is right, you’re ready to move quickly.
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That’s exactly what we help with. Our first chat should give us enough info to calculate some initial figures and give you clarity.
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Not necessarily. While your declared income matters, many lenders use "add-back" calculations that factor in depreciation, company profits, and other adjustments specific to self-employed borrowers. We know which lenders assess income this way and how to present your financials to give you the strongest possible outcome.
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Possibly. While some lenders want two years of self-employment history, others will assess applications with much less history. This is exactly the kind of situation the strategy call is designed to assess honestly.