If you're self-employed or running a business in areas like Crows Nest, Chatswood or Frenchs Forest, you’ve likely faced more hoops to jump through than salaried employees when applying for a mortgage. The good news? With the right support and loan structure, securing home loans for business owners in North Shore Sydney is absolutely achievable - and often comes with greater flexibility than you’d expect.

Lenders now offer specific solutions for business owners, especially if you can provide strong financial records. In 2025, North Shore property prices remain high, with suburbs like Mosman sitting above $3 million and St Ives averaging $2.25 million, according to Domain's June 2025 House Price Report.

So if you're eyeing a new home or refinancing as a business owner, here’s how to make your application stronger and get approved faster.

Why Are Home Loans Different for Business Owners?

When you're self-employed, your income structure looks different to someone on a salary.

You may have:

• Irregular cash flow
• Income from multiple sources
• Company expenses reducing taxable income
• Complex financials involving trusts or partnerships

Because of this, lenders often require more documentation, but that doesn’t mean you're a high-risk borrower. In fact, many business owners have stronger financial positions than salaried applicants.

You just need a lender, and broker - who understands how to present your case clearly.

What Documents Do You Need as a Business Owner?

This is where preparation matters. For full-document home loans, most lenders will ask for:

• Last two years of tax returns, both personal and business
• Business Activity Statements (BAS)
• Profit and loss statements
• Balance sheets
• Personal income declarations
• ABN and business registration details

Some lenders also accept low-doc loans, requiring fewer documents - especially useful if your income structure is non-traditional or recently changed. We’ll work with your accountant and help package your application professionally, so your income is assessed accurately and fairly.

What Loan Options Are Available for Business Owners?

When it comes to home loans for business owners in North Shore Sydney, there are multiple options to suit different scenarios:

1. Full-Doc Home Loans

Ideal if you have clean, up-to-date financials and want access to the best rates and features.

2. Low-Doc or Alt-Doc Loans

Designed for business owners with irregular income or recently established businesses. May use BAS or accountant declarations.

3. Offset Loans

Use your business or personal savings to reduce interest paid over time.

4. Split Loans

Combine fixed and variable rates to balance certainty and flexibility, useful if you're managing fluctuating income.

We'll help you identify the right structure for your goals, whether you're buying, refinancing, or leveraging equity.

How Much Can You Borrow as a Business Owner?

Borrowing capacity depends on how your income is calculated.

Lenders often assess:

• Net profit before tax
• Add-backs like depreciation or one-off expenses
• Your business structure and loan liabilities
• Consistency of income over two years

In 2025, most lenders offer up to 80%–90% LVR for self-employed borrowers. Some may allow up to 95% with LMI, or waive LMI under certain professional programs if your income qualifies. Your borrowing power could range from 5–7x your annual income, depending on your financials and existing debts.

Should You Refinance If You’re a Business Owner?

If you already own property, refinancing can unlock equity or help reduce repayments - especially if:

• Your income has increased
• Your business has stabilised post-COVID
• You want to consolidate business and personal debts
• You’re looking to fund renovations or another investment

In 2025, some lenders are offering cashback offers of up to $3,000 for refinances, along with rate discounts for strong financials. We’ll compare over 60 lenders to find the most competitive option for you.

What Features Should Business Owners Look for?

When choosing a loan, think beyond the rate. Here are features that benefit business owners most:

• Offset accounts for business cash flow
• Flexible repayment options for irregular income
• Interest-only periods, useful during slower business seasons
• Redraw facilities to access extra repayments if needed
• Low-doc options if your financials are not yet up to date

We tailor loan recommendations to your financial situation, helping you manage your mortgage without stressing about cash flow.

Are There Specialist Lenders for Business Owners?

Yes, and they often fly under the radar. These lenders are more flexible with income types and business structures.

Some examples include:

• Pepper Money
• Liberty Financial
• La Trobe Financial
• Firstmac
• Macquarie Bank

Each lender has different policies for how they view add-backs, retained profits, and how long you’ve been trading. We know which lender suits which profile - and we’ll guide you accordingly.

FAQs: Home Loans for Business Owners North Shore Sydney

Can I get a home loan with one year of business financials?
Yes. Some lenders accept one-year financials if your income is stable and your credit profile is strong.

Are low-doc loans more expensive?
They can be. Rates are slightly higher than full-doc loans, but it’s a good short-term solution for recent business owners.

Can I use business income and personal income together?
Yes. Lenders will assess both if they’re verifiable and consistent, especially for sole traders or directors drawing a salary.

Do I need an accountant to apply?
Not always, but having up-to-date financials prepared by an accountant will significantly strengthen your application.

Will lenders look at my GST or BAS statements?
Yes. Especially for low-doc loans, BAS is a common way to prove income when tax returns aren't available.

What’s the minimum deposit required in 2025?
Most lenders require 10–20%, but low-doc loans may need a larger deposit - usually 20% or more.

Can I refinance an existing home loan if I’m now self-employed?
Yes. You’ll need to meet the same income verification requirements, but many lenders are open to refinancing business owners.

Ready to Secure the Right Home Loan for Your Business Journey?

As a business owner, your income may not be traditional - but that doesn’t mean you should settle for less. Whether you're buying your first home in Northbridge, upgrading in Balgowlah, or refinancing an investment in Neutral Bay, we'll guide you through the process.

At Sabea Financial, we specialise in home loans for business owners in North Shore Sydney. We understand business structures, tax returns, and the challenges of cash flow, and we use that insight to match you with the right lenders and loan features.

Call us today on 1300 001 755, email info@sabea.com.au, or visit our homepage to book your free, no-obligation consultation.