Home Loans for Business Owners
WRA Mortgage Brokers specialises in home loans for business owners across Australia — with lenders that assess company income, director income, retained profits and trust structures sensibly. We turn complex business income into a clear, approvable home loan.
Frequently Asked Questions
Can a business owner get a home loan?
Yes. Business owners can access home loans, but the right lender depends on how your business income is structured. WRA works with lenders that assess director income, company net profit, trust distributions and self-employed income in different ways, and matches you to the one that maximises your borrowing.
How do lenders calculate company income for a business owner?
Lenders may use your personal drawings, company net profit, or a combination — and some add back non-recurring expenses, depreciation and interest. How retained profits are treated varies between lenders. WRA models your income the way each target lender does.
Can retained business profits be considered?
Some lenders include retained profits in your assessable income, which can materially increase borrowing capacity for a profitable business. Others only consider what you've drawn personally. Choosing the right lender is key for business owners.
Can a company or trust borrow for property?
Yes. A company or trust can be the borrowing entity for property finance with the right lender, supported by the correct trust deeds, company financials and director guarantees. This suits business owners buying property through their structure.
Do I need two years of financials?
Not always. Some lenders accept one year of financials, and low-doc options use BAS statements or an accountant's letter where full financials aren't ready. WRA confirms what your target lender needs before you apply.
Can I use business bank statements instead of tax returns?
For low-doc applications, many lenders accept 6–12 months of business bank statements (or BAS) as evidence of income, alongside an accountant's letter. This suits business owners whose latest financials aren't finalised.
What if my income jumped this year?
Where income is increasing, some lenders use the most recent year rather than averaging, which can boost borrowing capacity. WRA targets lenders that use the latest financials where your trend is upward.
Can I get a home loan if a bank declined my business income?
Yes. A decline usually reflects one bank's policy on business income, not your overall borrowability. Different lenders assess company, trust and director income differently. WRA reviews the decline reason and targets lenders whose policy fits.
Information on this page is general in nature. Lender policies, eligibility criteria, rates and lending limits can change. WRA will confirm applicable lender requirements based on your individual circumstances before making any recommendation.
Related Specialist Lending
Explore the other ways WRA helps borrowers across Australia.
Talk to a Specialist Broker Today
Get a 100% free assessment — no obligation, no cost. Most initial assessments are completed within 24–48 hours, wherever you are in Australia.
WRA Mortgage Brokers — operated by We Are Available Pty Ltd. Based in Melbourne, servicing clients across Australia.