Self-employed? Bank calculators are guessing.

Bank tools ask "what's your salary?" and treat self-employed income the same as PAYG — net profit only, no add-backs, no FY24/FY25 averaging logic, no entity-structure filter. Of 63 active home-loan lenders, 62 accept self-employed applicants — but at very different ABN-history thresholds, doc-type requirements, and entity acceptances.

• ABN-history filter per lender from the AFG panel data. 6 months, 12 months, 24 months — depends who you ask.
• Low-doc / alt-doc routing: short ABN + BAS evidence sends you to specialist lenders, not majors.
• Entity acceptance: company / trust applicants filter the panel before we run capacity.
• Add-backs included: depreciation, business interest, vehicle, owner salary, home office — declared once, applied uniformly in v1.
• Methodology transparent: how the calculation works.

Estimate only. Self-employed lending policy varies more than any other category — final figures are confirmed against the lender's own calculator at deal stage with full financials.

PAYG instead? Use the standard borrowing capacity calculator →