Self-employed income?
A mortgage plan that sees the whole picture.
Running a business rarely produces a neat, identical payslip every fortnight. Your mortgage application should explain how your income works and what you want to achieve.
We’ve helped many self-employed borrowers, business owners and contractors throughout New Zealand and abroad explore their New Zealand mortgage options.
Discuss your self-employed mortgage
Does this sound like you?
Your income varies between months or financial years.
You earn through a company, contracting work or more than one source.
Your latest accounts need context, or your business has changed and your bank simply doesn’t understand.
You are buying, refinancing or investing while managing business commitments.
We start by using extensive experience in business lending to comprehend your unique circumstances and present appropriate solutions for you that a bank can understand and highly presentable. A more involved application calls for clear evidence and careful preparation.
Present your income clearly
We look at how your business earns money, how you pay yourself and which commitments affect your household. We work through the information with you and, where helpful, your accountant.
That helps us explain the application accurately and explore lenders whose criteria may suit your circumstances. Lenders assess self-employed income differently; the information required and any lending outcome depend on the application.
Build a structure around your plans
Your mortgage also needs to work alongside tax payments, business cash flow and your personal goals. We discuss repayment comfort, flexibility and the trade-offs between suitable loan structures.
Our role is to help you understand the options and make an informed decision, with ongoing support as your business and circumstances change.
What to have ready
For the first conversation, a brief outline is enough: what you do, how long you have been doing it and what you want the lending to achieve.
Depending on your circumstances, we may later ask for financial statements, tax information, recent business and personal bank statements, details of existing lending, and relevant contracts. We will explain what is needed and how to provide it securely - one size never fits all with a presentable business application.
Questions we often hear
Can you help if my income has changed?
Yes—we can review the circumstances and explain what further evidence may help. We will assess what is sustainable and discuss realistic next steps.
Do I need everything organised before contacting you?
No. An early conversation can help identify gaps and give you a clearer preparation plan before you apply.
Start with your circumstances
Tell us about your business and your next move. Book a free 15-minute conversation with Hawkeye to discuss where you need a hand.