Home Loans for Business Owners & Commission Income
Getting a home loan when you’re self-employed or earning commission can be more complex than standard PAYG lending.
Traditional banks often rely heavily on tax returns — which don’t always reflect your real income.
At Matched Finance, we specialise in structuring home loans for:
• Business owners
• Company directors
• Self-employed borrowers
• Commission-based income (including real estate agents)
Common Scenarios We Help With
• Business owners whose tax returns don’t reflect actual income
• Directors paying themselves a structured salary
• Real estate agents earning commission-only income
• Borrowers recently self-employed
• Clients declined by major banks
Real examples of clients we’ve helped
Company Director Using Salary
A company director was paying himself a consistent salary, however full financials did not reflect his true income position.
Rather than relying solely on company financials, we structured the application using his payslips and salary credits — allowing the lender to assess him similarly to a PAYG borrower.
This resulted in a competitive home loan approval aligned with his actual income.
BAS & Declared Income
A self-employed client with strong cash flow but complex financials was unable to demonstrate income through traditional methods.
We structured the application using:
• BAS statements
• A self-declared income position
The loan was approved at a competitive rate — comparable to major lenders — highlighting that alt doc lending does not always mean significantly higher interest rates.
Alt Doc Doesn’t Always Mean High Rates
There is a common misconception that alternative documentation loans always come with significantly higher interest rates.
In many cases, this isn’t accurate.
With the right lender and structure, rates can be competitive — particularly for strong applicants.
A Structured Approach
The key to these applications is not just finding a lender — it’s structuring the application correctly.
This includes:
• Presenting income clearly
• Selecting the right lender
• Aligning the loan with your long-term plans
When To Explore This
You may benefit from this approach if:
• You are self-employed
• Your income is not reflected in tax returns
• You earn commission-based income
• You’ve been declined previously
If you’re unsure how your income would be assessed, we can review your position and walk you through your options.
Home Loans for Self-Employed & Commission Income
Home loans for self-employed borrowers in Perth, including business owners, company directors and commission-based income.
Matched Finance structures alt doc lending using BAS, salary credits and alternative income verification.