Kiwi Financial Solutions

Being self-employed does not mean your financial options are limited. As a self-employed borrower, you need a mortgage adviser who understands you and your needs and can help you find the right lender. Kiwi Financial Solutions has access to multiple lenders and can help you find the one most suited to your needs.

Self Employed Finance Made Simple

Most lenders require you to be self-employed for 2 years and have tax returns to prove income. There are some lenders who will work off one year of tax returns. In addition, have complex rules as to how they calculate self employed income. This is why you need a mortgage adviser to understand how much you can borrow.

What if I do not have tax returns?

If you do not have tax returns or financial statements you may be able to borrow with the help of low doc loans. Low doc loans do not require financial statements or tax returns to prove income. Low Doc loans rely on an accountant’s letter or Business Activity Statement (BAS) to prove income. Typically, the bank will want to see at least 12 months of Business activity Statements and use complex rules to determine your income. Depending on the lender, your time in business and loan amount, Low Doc loans may have a higher rate than traditional loans. We get you the best offers and if that works for you we can arrange a loan in not much time.

Commercial & Business Loans

What if I do not have tax returns?