Home Loan Through Business? Discover Relief Fast (2026)

For many small business owners in Australia, the dream of owning a home can feel like an uphill battle, especially when traditional lenders scrutinise personal income statements. But what if you could leverage your business to secure a home loan? In this comprehensive guide, we explore whether you can obtain a home loan through your business, and what steps you can take to make that dream a reality.

Understanding Home Loans Through Your Business

Securing a home loan through your business isn't as straightforward as applying for a personal mortgage. It's essential to understand the fundamentals of business lending versus personal lending. When you apply for a home loan through your business, the lender will assess your business's financial health rather than just your personal income. This can be advantageous if your business is thriving, but it also means more stringent requirements and higher scrutiny.

Key Information: Rates, Requirements, and Options

In 2026, the interest rates for business-backed home loans in Australia can range from 6.49% to 12%, depending on various factors such as the lender, your business's financial health, and the amount of deposit you can provide.

Eligibility criteria often include:

• At least two years of business financial statements
• Proof of consistent and reliable cash flow
• Good personal and business credit history
• A minimum deposit of 20%
• Registration of the business as a legal entity

Options for securing a home loan through your business include traditional banks, credit unions, and non-bank lenders. With access to a panel of over 83 lenders, Esteb and Co can help you navigate these options to find a suitable loan product.

Lender Type	Interest Rate Range	Typical Requirements
Traditional Banks	6.49% - 9%	Strict financial documentation, strong credit score
Credit Unions	7% - 10%	Moderate documentation, community-focused
Non-Bank Lenders	9% - 12%	Flexible but higher rates, varied criteria

Steps to Secure a Home Loan Through Your Business

Here’s a practical step-by-step guide to help you secure a home loan through your business:

1. Evaluate Your Business's Financial Health: Conduct an internal audit to ensure your business’s financial statements are up-to-date and demonstrate profitability and stability.
2. Consult with a Mortgage Broker: Consider engaging with Esteb and Co to explore options among their 83+ lender panel. A broker can provide personalised advice and help navigate complex lending criteria.
3. Prepare Your Documentation: Gather all necessary documents, including business financial statements, tax returns, and cash flow projections.
4. Assess Your Personal Credit: Even though the focus is on your business, your personal credit score may still be evaluated, so it’s important to ensure it’s in good standing.
5. Submit Your Application: Work with your broker to submit a comprehensive application that highlights both your business's and your personal financial strengths.
6. Negotiate Terms: Be prepared to negotiate interest rates and loan terms. Your broker can assist in securing the best possible deal.
7. Review and Sign the Contract: Carefully review the loan agreement before signing to ensure all terms are clearly understood and agreed upon.

Tips and Considerations

Here are some expert tips to consider when applying for a home loan through your business:

• Build a Strong Business Profile: Lenders prefer businesses with a proven track record of profitability and growth. Regularly update your business plan to reflect these qualities.
• Maintain a Healthy Debt-to-Income Ratio: Keep your business debts manageable to improve your chances of approval.
• Consider a Guarantor: If your business's financial history is short, involving a guarantor with strong financial credentials can enhance your application.
• Stay Informed: Market conditions can change, affecting interest rates and lending criteria. Stay informed about these changes, and be ready to adapt your strategy.

Frequently Asked Questions

1. Can I use my business income as proof for a home loan?
Yes, if you can demonstrate consistent and reliable business income through financial statements and tax returns.

2. What if my business is new?
If your business is less than two years old, it may be challenging to secure a home loan. Consider waiting until you have a more established financial history or involve a guarantor.

3. Are interest rates higher for business-backed home loans?
Generally, yes. Business-backed home loans often come with higher interest rates due to the perceived risk involved.

4. Can Esteb and Co help with business-backed home loans?
Yes, Esteb and Co can assist by leveraging their extensive network of 83+ lenders to find a suitable loan for your situation.

5. Are there any tax implications for getting a home loan through my business?
Yes, there may be tax implications. It's advisable to consult with a tax professional to understand these before proceeding.

6. How much deposit is typically required?
A minimum deposit of 20% is usually required, although this can vary depending on the lender and your financial situation.

7. Is my personal credit history considered?
Yes, your personal credit history is typically reviewed alongside your business's financial health.