WCG Self-Employed

Funding solutions designed specifically for self-employed borrowers.

Self-Employed – 1 Year Financials

Finance Solutions
for Self-Employed Borrowers

As a self-employed borrower, obtaining finance can sometimes feel more challenging than it should. The good news is that there are lenders who understand the realities of running a business and offer flexible assessment options for self-employed applicants.

Whether you have one year's financials or a full two-year history, we can help you explore suitable lending solutions and navigate the application process with confidence. Our goal is to make securing finance as straightforward as possible, so you can focus on growing your business and achieving your property goals.

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	Self-Employed – 1 Year Financials	Self-Employed – 2 Years Financials	Self Employed – Low Doc
Overview	Many lenders now offer home loan options for self-employed borrowers with only one year's financials, making it easier to access finance without waiting years to establish your business history. At WCG, we work with lenders who understand the challenges faced by business owners and entrepreneurs.	For self-employed borrowers with two years of financial records, a broader range of lenders and loan products may be available. WCG assists business owners in navigating lender requirements and presenting their financial position effectively to maximise borrowing potential.	For self-employed borrowers who may not have up-to-date financial statements or tax returns available, Low Doc home loans can provide an alternative pathway to finance. These solutions are designed for business owners who can demonstrate their income through alternative documentation rather than traditional full financials. At Wholesale Capital Group (WCG), we work with specialist lenders who understand the complexities of self-employment and offer flexible Low Doc lending options tailored to your circumstances.
Suitable For	Sole Traders Company Directors Partnerships Trust Structures Contractors Medical Professionals Tradespeople	Sole Traders Company Directors Partnerships Trust Structures Contractors Medical Professionals Tradespeople	Sole Traders Company Directors Partnerships Trust Structures Contractors Medical Professionals Tradespeople
Documentation	One year's Tax Return One Year's Notice of Assessment Business Activity Statements (BAS) Accountant's Letter Business Bank Statements	Two Years' Tax Returns Two Years' Notices of Assessment Business Activity Statements (BAS) Accountant's Letter Business Bank Statements	Self Income Declaration Accountant's Declaration Business Bank Statements Business Activity Statements (BAS)
Benefits	Borrow with only one year's financials Access finance sooner without waiting for another year of financials Use more recent financials that may reflect stronger returns	Wider lender selection Potentially stronger borrowing capacity Competitive interest rates Greater flexibility with loan structures	No requirement for full financial statements with some lenders Access finance while financials are being prepared or updated Flexible lending solutions tailored to self-employed applicants Opportunity to purchase, refinance or invest without traditional income documentation

SERVICEs

Suitable For

Sole Traders

Company Directors

Contractors

Consultants

Partnerships

Newly Established Businesses

+36 Members

Requirements

Potential Documentation

Depending on the lender, you may require:

One year's tax return
Notice of Assessment
Business Activity Statements (BAS)
Accountant's letter
Business bank statements

SERVICEs

Benefits

Borrow with only one year's financials

Faster pathway to home ownership

Flexible lender options

Tailored solutions for growing businesses

Our specialists can help determine which lenders may accept your business profile.

Self-Employed – 2 Year Financials

Self-Employed

Established Business?
Access More Lending Options

For self-employed borrowers with two years of financial records, a broader range of lenders and loan products may be available. WCG assists business owners in navigating lender requirements and presenting their financial position effectively to maximise borrowing potential.

SERVICEs