Lending that understands how you work
Getting a home loan when you’re self-employed can feel more complicated, but it doesn’t need to be.
Every business is different, and so is the way income is structured. The key is working with a broker who understands how lenders assess self-employed borrowers and knows how to position your application correctly.
At Greco Finance Co, we work with self-employed clients every day, providing clear advice and tailored solutions based on your situation.
What to expect with Greco Finance Co
We keep the process clear and straightforward, so you understand exactly where you stand.
1. Understand your business and financials
We review your structure, income and overall position.
2. Explore your lending options
We identify lenders suited to your situation, including flexible and low-doc options.
3. Structure your application correctly
Your application is positioned to maximise your borrowing capacity.
4. Secure approval
We manage the process from submission through to approval.
5. Move forward with confidence
We ensure your loan supports both your personal and business goals.
What to consider as a self-employed borrower
Lenders assess self-employed borrowers differently, which can significantly impact your borrowing capacity and available options.
We work with you to ensure your loan is structured properly for your situation, while maximising what’s possible.
Why work with Greco Finance Co
Self-employed lending requires experience and understanding, having the right support can make all the difference.
Frequently asked questions
If you’re self-employed, here are some of the most common questions we’re asked.
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How long do I need to be self-employed to get a loan?
Most lenders prefer to see at least 1–2 years of business financials, but some options may be available with less history depending on your situation.
Your income, business structure, industry, deposit and overall financial position can all influence what lenders may consider. We can help you understand which lenders are more suitable for self-employed applicants.
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Can I get a loan with low documentation?
Yes, low-doc loan options may be available for some self-employed borrowers who cannot provide standard income documents.
These loans usually require alternative evidence of income, such as business bank statements, accountant letters, BAS statements or other supporting documents. The requirements can vary between lenders, so it’s important to review the options carefully.
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How is my income assessed?
Lenders may assess self-employed income differently depending on your business structure and the documents available.
They may review tax returns, financial statements, business activity statements, bank statements or accountant-prepared information. Some lenders may use the most recent year’s income, while others may average income over two years.
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Can I improve my borrowing capacity?
Yes, there may be ways to improve your borrowing capacity before applying.
This could include reducing personal debts, improving your deposit, reviewing business income documentation, managing expenses or choosing a lender that better understands self-employed borrowers. We can help identify what may make the biggest difference in your situation.
Take the next step with confidence
Whether you’re navigating self-employed lending for the first time or looking to improve your current loan, get clear advice tailored to your situation.
No obligation, just a conversation to explore your options.
