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Australia has approximately 2.3 million self-employed workers. Getting a home loan as a self-employed person requires more documentation and the right lender — here's exactly how it works.
Most full-doc lenders require 2 years of personal and business tax returns. Some lenders accept 1 year for strong borrowers with a solid business history in the same industry.
Common add-backs include depreciation, non-recurring expenses, and one-off losses. Your accountant or broker should prepare an add-back schedule to present alongside your financials.
Not necessarily. Some lenders accept an accountant's letter confirming income for the most recent year if the prior two returns are lodged and income is consistent.
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