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At Inovayt, we aim to help self-employed people get into the property market with ease.

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Getting a loan while being self-employed should be simple.

Understanding how your business operates is the first step towards assisting you to obtain your desired loan. This understanding allows us to present your application to the lender correctly, so they get the full picture of you as an applicant giving them more confidence in your ability to repay the loan.

We will work with you and your accountant to gather all the required information and documentation from the lender.

How long do I need to have been self-employed?

Usually lenders require you to be self-employed for a minimum of two years to demonstrate enough history to give the lender confidence around your income.

A handful of lenders with niche policies are happy to accept less than two years’ worth of self-employment history in as recent as six months. However, these lending options can attract higher interest rates and fees as they are high risk to the lenders.

Lenders also make mistakes when viewing self-employed income

Often, it comes down to a lack of understanding from the bank when it comes to your self-employed income. A bank will rarely take the time to work with your accountant to get a full understanding of your potentially complex structures. This can result in the bank not maximising the income they take into consideration when assessing your loan application. Inovayt’s combined 100 years+ of self-employed and business banking experience ensures that we don’t leave a single dollar unaccounted for and this can mean the difference between you achieving your financial goals.

Low Doc options

Low Doc loans allow you to apply for a loan without supplying recent tax returns or financial statements.

These loans require other forms of income verification such as accountant’s declaration, Business Activity Statements and Business Banking Statements to name a few.

With reduced income verification by the lender, these products are considered higher risk which means they attract higher interest rates, a larger deposit and Lenders Mortgage Insurance (LMI).


We understand that time is money when you're self-employed. Our processes and technology allow us to reduce the time involved in putting together your application. Throughout the process, we will manage all of the moving pieces and help you to find the best lender possible for your individual needs.


We understand that everyone has different needs, schedules and availability. We’re happy to meet face to face, over the phone or online at a time that suit you.


If you’re working long hours, it can be challenging to dedicate the time needed to develop a solid financial strategy for the future. At Inovayt, we can provide end-to-end financial solutions to help you achieve your goals now and into the future.

Let us save you time and ease your stress while applying for finance.

Book a free meeting
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