Mortgages + Home Loans

Home loans for self-employed borrowers

If you run a business, contract, or earn income through a company, getting a home loan can feel unnecessarily difficult.

At Luminate, we specialise in structuring lending for self-employed borrowers across New Zealand. We build your application around how you actually earn, not how a generic bank form expects you to.

Talk to a Mortgage Adviser

TOOLS + CALCULATORS

What will my repayments be?

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How much could you borrow?

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Why banks often decline self-employed applications

Traditional lenders rely heavily on standardised income verification.

Common challenges include:

Income fluctuating year to year
Tax-efficient financials reducing declared profit
Dividends and drawings misunderstood
Short trading history
Retained earnings inside a company

This does not mean you cannot borrow. It usually means your income needs to be structured properly.

How we assess self-employed income

We take a holistic view of your financial position.

That includes:

Company financial statements
Personal income and drawings
Retained profits
Cashflow trends
Business stability and outlook

We then match your position to lenders who understand business structures, including specialist and non-bank lenders where appropriate.

When non-bank lending makes sense

Traditional lenders rely heavily on standardised income verification.

Common challenges include:

Income fluctuating year to year
Tax-efficient financials reducing declared profit
Dividends and drawings misunderstood
Short trading history
Retained earnings inside a company

This does not mean you cannot borrow. It usually means your income needs to be structured properly.

Types of lending we arrange for self-employed borrowers

We structure:

Owner-occupied home loans
Investment property lending
Refinancing solutions
Bridging finance
Debt consolidation secured by property

Everything starts with understanding your income structure and long-term plans.

We work with top lenders to find a solution right for you

Frequently asked questions

Can I get a home loan if I’ve been self-employed for less than two years?

Possibly. Some lenders will consider strong one-year trading history depending on industry and financial strength.

Do banks count retained earnings?

Some lenders will consider retained profits or add-backs, but this varies significantly.

Are non-bank rates higher?

Typically yes. They reflect additional flexibility and risk. Many borrowers use non-bank lending short-term before refinancing.

Can you structure my mortgage around my business?

Yes. We assess both personal and business finances together to build the right structure.

Why Luminate

We exist to bring structure, visibility, and confidence to financial decisions across home, business, and investments.

For self-employed borrowers, that means:

Structuring income clearly
Selecting the right lender
Thinking ahead to future refinancing
Keeping long-term flexibility in mind

You are not risky because you run a business.
You simply need lending structured properly.

Proven results

Experience matters and we've got results that help Kiwis everyday.

26+

Years helping Kiwis into homes

1.5+

Billion in lending

1000+

Happy customers