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Self Employed Mortgages

Home Self Employed Mortgages

Getting a home loan if you are a self employed individual or business owner can be tough. Many business owners find themselves becoming very frustrated with the process, which is why it helps to work with a mortgage broker who specialises in self employed mortgages. This type of service applies to people who own a business, whether that business is small, medium, or large, or you work as a contractor, we can help you.

While a lot of mortgage brokers profess to be able to do this type of home loan, we feel it is worth working with an expert in this regard.

Why work with a self employed mortgage expert?

Easy Process – We understand that you are busy as a business owner. You have countless day to day tasks to take care of, such as managing sales, running your business, and looking after staff and customers. Extra paperwork can sometimes be a burden and hold you back from your daily responsibilities.

Instead, we make it easy for you to work with us. We can also work with your accountant or bookkeeper to save time by getting the information we need directly from them. This makes life a whole lot easier than having to dig through old files of IRD records, financial statements, GST information, and more.

Easier Criteria – If you’re finding it hard to get a home loan, working with us can make getting a self employed mortgage a breeze. We can also help you if you are under difficult circumstances, such as you have only recently started to own a business. We have a lender that can look at approving applications for people self employed as for little as 6 months, meaning that you can get on to owning a house sooner.

Better Management of Your File – Self employed mortgages can be complicated. One of the reasons for this is that banks want to see financial statements. Where this gets tricky is that many accountants overload your financials with expenses in an effort to help you pay less tax. While this is common practice for accountants, it can mean that you have a lower displayed income to pay for a mortgage, which means the bank may doubt your ability to meet your mortgage repayments. We can help pull apart your financial statements and work with the lenders/banks to understand the profitability of your business better than what meets the eye.

Convenience – We pride ourselves on convenience. With us, you won’t be spending days or weeks digging up paperwork. Instead, we’ll get it sorted!

Types of Loans We Can Help With

  • Residential Owner Occupier – This is a type of home loan where you want to buy a house to live in. If you’re buying your first house, or if you own property already, we can help.
  • Investment or Rental Properties – This type of home loan suits a house you want to rent out. Owning a rental property can be a way of building wealth. Many Kiwi business owners decide to own a rental property for a bit of extra income, or as an investment.
  • Construction Loans – If you’re thinking about building your new home (rather than buying something that already exists) we can also help with that.
  • Other Loans – If you need other types of loans such as debt consolidation, money to pay bills, paying the IRD, asset or equipment finance, short term loans, vehicle finance, and so forth – have a chat with us and see if we can help.


Just Financial is a professional financial adviser service and helps you with buying a home, using your KiwiSaver, insurance and more. Ask us to help you with your financial goals.

  • Home loans
  • Using your KiwiSaver
  • Saving money on your mortgage
  • Refinancing or debt consolidation
  • Low interest rates

  • Life insurance
  • Mortgage protection insurance
  • First home buyers
  • Help when the bank says no
  • Construction loans

Get Help From An Award Winning Financial Adviser

Want to buy a house? Looking for an amazing mortgage broker? Buying a house can be a challenging process. With the right advice, this can be made easy. Just Finance provides a professional mortgage broker service that can help you right throughout New Zealand. From first home buyers, to investors, as well as people who already have a house and want to refinance, there are many ways we help.



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