Being self-employed shouldn’t make getting a home loan harder, but traditional banks often see it that way.
At Genesis Mortgages, we specialise in helping business owners, contractors, and sole traders secure lending by speaking the bank’s language and presenting your true financial strength.
Banks often shade income or get confused by complex company structures. We bridge that gap by matching your situation with lenders who understand self-employed borrowers.
We look beyond basic net profit and help present your income in a way lenders can properly assess.
We identify eligible non-cash expenses that may be added back into your income for lending assessment.
We work directly with your accountant so your financials are prepared clearly before they reach the bank.
If your latest tax returns are not ready, we can explore lenders that use GST returns or bank statements.
We help directors use dividends, retained earnings, or company performance where lender policy allows.
We find banks and non-bank lenders whose self-employed policy fits your industry and trading history.
We package your application with a clear narrative around business growth, cashflow, and stability.
Different lenders require different proof. We help you choose the right route based on your business history and current documents.
2 years of financial statements and personal tax summaries.
For newly self-employed applicants, 6 to 12 months of trading history supported by contracts and GST returns.
For complex tax setups, lenders may use accountant-prepared certificates or business bank statements.
We review your business structure, industry stability, and the last 1 to 2 years of performance.
We analyse expenses to find paper losses that may be added back to increase proven income.
We identify banks or non-bank lenders whose self-employed policy aligns with your industry and history.
We package your application with a clear narrative explaining your business growth and stability.
We work with underwriters to clarify cashflow questions and secure your pre-approval.
We provide annual reviews to ensure your loan structure continues to support your home and business.
While banks prefer 2 years, options may be available for borrowers with 6 to 12 months of trading history.
Yes. We can often use GST returns or interim financial statements to bridge the gap.
It is a legitimate expense, such as depreciation, that reduces your tax bill but does not actually cost you cash. Banks can often count this back as income.
Not necessarily. If your financials are strong, we can often secure the same competitive rates available to PAYE employees.
Let’s get the bank to see your business the way you do. Genesis Mortgages helps business owners nationwide secure lending with clarity and confidence.
View our Google Reviews and see how Genesis Mortgages has helped self-employed borrowers across New Zealand.
We compare options across a wide network of trusted lenders to help you secure the right loan structure for your goals.
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