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How to get a home loan when you're self-employed

If you’re operating your business as a sole trader, partnership, company or a trust and looking to buy a home or switch your loan, we can help you get on top with home loans for business owners.

Talk to a Home Loan Specialist today.

1800 519 692


Applying for an ANZ home loan as a business owner

As a self-employed customer you're offered the same interest rates and features as customers earning a salary. And the same criteria is used to determine how much you can borrow and the deposit you need.

The big difference if you’re self-employed is how you demonstrate your taxable income.  Our specialists will help you understand your business cash flow, taxable income, and what other information you need to have ready to apply for a home loan.

It's a good idea to have these things ready:

  • Any tax return, notice of tax assessment, profit and loss statement, and balance sheet for your business covering the last 12 months;
  • The last 12 months of personal tax returns; and
  • Proof that your ABN has been registered for at least two years.

Home loan calculators for self-employed customers

As a self-employed customer, your application is assessed using the same criteria as customers earning a salary to determine how much you can borrow and the deposit you need.

Home Loan Deposit Calculator

Estimate how much you’ll have for a deposit once upfront costs are deducted.

Borrowing Power Calculator

Get a quick estimate on how much you may be able to borrow based on your current income and existing financial commitments.

Repayments Calculator

Our repayments calculator can give you an estimate of your potential loan repayments.

Choose a home loan that works for you

As a self-employed customer, the same range of home loan products is available to you, and you're eligible for the same interest rates as customers earning a salary.

ANZ Standard Variable

The flexibility you need 

  • Make extra repayments to pay off your loan faster
  • Redraw your extra repaymentsdisclaimer
     

View loan details

ANZ Fixed

The certainty of fixed repayments

  • Your interest rate won't change during the fixed period
  • Choose from 1, 2, 3, 4, 5, 7 and 10 year fixed rate termsdisclaimer 

View loan details

ANZ Simplicity Plus

Keep it simple, with no ongoing fees

  • Competitive variable interest rates and no monthly fee
  • Make extra repayments any time
     

View loan details

Get on top of home buying

With a free property price prediction

Know which homes are worth your time with a comprehensive, 16-page ANZ Property Profile Report.disclaimer

Request a free report

View a sample property report (PDF 1.4MB)

Ready to talk about a home loan?

Call a Home Loan Specialist

1800 519 692

Mon-Fri 8.00am to 8.00pm (AEST), Sat-Sun 8.00am to 6.00pm (AEST)

Applications for credit are subject to ANZ’s credit approval criteria. Terms and conditions, and fees and charges apply. Australian credit licence number 234527.

Any advice does not take into account your personal needs and financial circumstances and you should consider whether it is appropriate for you and read the relevant terms and conditions, Product Disclosure Statement and the ANZ Financial Services Guide (PDF, 104kB) before acquiring any product. Applications for credit subject to approval. Terms and conditions available on application. Fees and charges apply.

Terms and Conditions and eligibility criteria apply to ANZ Redraw. ANZ Redraw is not available on loans in a company name. For further information on ANZ Redraw please refer to the ANZ Consumer Lending Terms and Conditions (PDF 412kB).

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Rates shown apply during the fixed period of your loan. After the fixed period, your rate will switch to the applicable variable rate for a principal and interest loan.

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Property price predictions are estimates, not valuations. Predictions available for listed properties only (exceptions apply) and may change daily. Actual sale prices may differ. Accuracy assessed on final pre-sale predictions and national market comparison of free price predictor estimates or range midpoints for listed properties (excluding agents’ price guides). Sales data as at August and November 2018.

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