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Self-employed borrowing power
Your income may go further than you think. See how lender add-backs boost your assessable income and what your business income could really borrow.
Your business income
Business structure
Income assessment methodvaries by lender
Net profit FY25 (most recent)
$
Net profit FY24 (prior year)
$
Wages paid to you from the businessyearly
$
Add-backs (most recent year)
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$
Your commitments
Applying
Partner's annual incomegross, before tax
$
Living expensesmonthly
$
Credit card limitstotal
$
Other loan repaymentsmonthly
$
Interest ratep.a.
% p.a.
Why lender choice matters for self-employed income
Lender policies for self-employed income vary widely. Some accept your most recent year's return alone; others average two years or apply caps. Add-back treatment also differs by lender. This estimate uses common policy settings; your actual borrowing power depends on the lender we select together.
Important: This calculator provides estimates only and does not constitute financial or credit advice, nor is it an offer of credit or loan approval. Borrowing power depends on individual lender assessment, verification of your financials, and credit criteria at the time of application. Tax calculations are simplified estimates based on 2025-26 resident rates. Always speak with us before making financial decisions. Maison Brown Financial Pty Ltd | ACR 544927.
Sydney-based mortgage broker. 40+ lenders. 15 years inside the banks.
Maison Brown Financial Pty Ltd · Australian Credit Licence #384704 · Credit Representative #570440 · Aggregated under Finsure
This page provides general information only and has been prepared without taking into account your objectives, financial situation or needs. We recommend that you consider whether it is appropriate for your circumstances, and your full financial situation will need to be reviewed prior to acceptance of any offer or product. It does not constitute legal, tax or financial advice and you should always seek professional advice in relation to your individual circumstances.