The Challenge for Self-Employed Buyers

Securing a home loan as a self-employed individual can feel like climbing a steeper hill. With diverse income streams and complex business structures, proving affordability isn’t always straightforward. Traditional banks often require extensive documentation, making the process overwhelming and time-consuming.

That’s why working with the right partner, one who understands your business and can structure your application correctly makes all the difference.

How SA Home Loans Simplifies the Process

We know that entrepreneurs, freelancers and business owners don’t fit into a one-size-fits-all box. Our team takes the time to understand your unique financial profile and tailor solutions that work for you.

With expert consultants by your side, we’ll simplify the process and structure the best possible deal. Flexible options also mean you can:

• Consolidate debt to streamline finances.
• Access cash for personal or business needs.
• Explore a range of tailored home loan solutions built with self-employed clients in mind.

We’re not a bank, we’re home loan specialists. That means every part of our business is built around helping South Africans access the right home financing.

Steps to Improve Your Approval Chances

While we’ll guide you every step of the way, here are practical tips to strengthen your application:

• Keep your financial records accurate and up to date, including tax returns and statements.
• Separate personal and business finances for a clearer financial picture.
• Work closely our specialist consultants, who will help structure your income appropriately for assessment.

Why Pre-Approval Matters

Pre-approval is especially powerful for self-employed buyers. It gives you a realistic view of your affordability and positions you as a stronger buyer when negotiating. Most importantly, it helps streamline the final approval process, saving you both time and stress.

Request to be pre-approved by one of our specialists, by submitting your contact details below.

What You’ll Need

When applying as a self-employed individual, you may be asked for:

• Recent financial statements and tax returns.
• Bank statements.
• Proof of business registration or relevant licenses.

Having these documents ready ensures a smoother application journey.

How We Assess Income

Unlike banks that may only focus on rigid numbers, we look at the bigger picture. Our consultants assess income sustainability and consistency, often averaging income over a period to account for fluctuations. By clearly separating personal and business finances, we can make an accurate, fair assessment that works in your favour.

Why Choose SA Home Loans?

We’re not a bank, we’re home loan specialists. That means every part of our business is built around helping South Africans access the right home financing. Our specialist consultants build real relationships and guide you from application to move-in day. Your consultant isn’t a once-off contact, but a partner throughout your journey.

Ready to unlock homeownership, even with a non-traditional income?