Your Village Mortgage Broker
Solutions for Business Owners

I’m a self employed small business owner. How do I get a home loan?

Lenders tend to view self-employed small business owners as a somewhat higher risk. But the good news is, you don’t need a PAYG salary to get a home loan.

Instead, lenders will look for financial stability, consistency in your income and well managed finances.

An example of financial stability would be a track-record of profitability, manageable debts (if any), long term contracts, a diverse set of customers and industry/economic trends that support stability or growth of your business.

By your side

Guiding You Every Step of the Way

You may need to provide a little extra documentation and you may need to look beyond the big banks for a home loan solution that suits you best.

Whilst the requirements will vary from lender to lender, they will typically ask you to provide:

  • The last two years’ tax returns and tax assessment notices.
  • A self-certified income declaration or accountant’s statement.
  • Your Business Activity Statement (BAS).
  • Proof of Australian Business Number (ABN) and GST registration.

There are also alternatives if you haven’t been running your business for two years or haven’t completed your tax returns yet.

Some lenders offer exceptions to policies or ‘low doc’ loans, where your ability to service your home loan can be demonstrated via alternate means such as a review of your business accounts or information provided by your accountant.

Aspects such as good quality, complete documentation, evidence showing you’ve saved a solid deposit (eg. 20%) and a strong credit record would all help your home loan application.

Your Village Mortgage Brokers can work with you to find the most suitable lender, with a competitive rate, to secure the home loan you need.

Our promise

Tailored Solutions for Your Needs

At Your Village Mortgage Broker, we recognize that every first home buyer has unique requirements. Our approach is personalised to your specific circumstances and goals. 

  • Concerned about your credit score?
  • Uncertain about how much deposit you need?
  • How much is Stamp duty?
    What is lenders mortgage insurance and how much will I need to pay?
  • Curious about the First Home Buyers Grant?

We have the expertise to provide you with informed guidance that has your best interests at heart every step of the way.

First Home Buyers

Key things for you to consider

We'll help you determine a realistic budget that considers not only the property price but also ongoing expenses like maintenance, utilities, and council rates as well as your current lifestyle. It’s important you can manage your mortgage repayments without them causing you stress when you move in.

Navigating through the myriad of home loan options can be confusing. We'll break down the differences between fixed and variable rates, repayment terms, and eligibility criteria to find the best fit for you. This process means we not only get you into the right loan, but also maximise the chance of a successful outcome (approval from the lender) as we focus on mortgage solutions, not mortgage products.

There are various grants and schemes available for first home buyers in Victoria. We'll guide you through the application process and ensure you're maximizing the benefits.

Choosing the right location is crucial. We'll provide insights into different neighborhoods, their growth potential, and proximity to amenities.

Great advise

The Your Village Mortgage Broker Difference

Buying your first home is a significant financial commitment, and there are many potential pitfalls along the way. 

Our experienced team will be by your side to help you avoid common mortgage mistakes and take advantage of every possible opportunity.

From understanding the intricacies of home loan options and the pros and cons of each for you, to ensuring you can afford your loan and assisting you in evaluating properties, we ensure that you’re equipped with the tools and insights to make the right choices.

Make your mortgage work for you.

Take control of your home loan and learn how to make debt work FOR you, with our FREE Mortgage Mastery Guide!
We are your Mortgage Mentors

What's your next property move?

Our Partners

Maximising your lending opportunites

Our Approach

Here's what you can expect

Whether you are just starting out in property or are a seasoned investor, navigating the home loan lending process can be confusing and time consuming. We use our knowledge and experience to provide a streamlined approach and give you the advantage. We offer straighforward, flexible home loan solutions that don't just fulfil your current goals, but look to the future as well.

Getting to know you

We need to understand your current financial situation so we can determine the most competitive and appropriate lending solution and strategy to help achieve your lifestye and property goals.

The Nitty Gritty

With your Mortgage Strategy in place, our team will coordinate with you to gather all the relevant documents and information we need to help you get a speedy and positive outcome from the lender.


Getting pre-approval on your home loan means you can start looking for property or making plans. With the confidence of knowing that the lender has agreed in principle to lend you the money.

Unconditional approval

This is the green light that the lender has fully approved your loan with no conditions. It's not quite time to pop the champagne though, until settlement occurs.


Phew, we made it. The final inspection has been conducted, the title has been transferred into your names, and you have the keys to your new home in your hot little hands. Happy days!

Mortgage Mentoring

When the dust settles, we are still here to guide you along your property journey. From smart strategies to help you pay down your loan quicker or to build equity for future goals and projects. We've only just begun.


What our clients are saying

I found Rob from Your Village Mortgage Brokers very easy to deal with. He has an excellent grasp of the home loan options available and his explanations were clear and he was very reassuring. I’d highly recommend Rob to anyone thinking of speaking to a mortgage broker.

Damien G

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Packed with essential insights and expert guidance, our Home Buyers Guide will help you confidently navigate the path to your dream home. Request your free copy today,

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