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Accountants · Self-Employed Home Loans
Home Loans for Self-Employed Accountants
Home loans for self-employed CPAs, CAs and tax agents. Up to 90% LVR with accounting-professional discounts on full-doc; low doc options when you need them. Yes, you can self-declare income — with proper documentation.
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Why low doc fits self-employed accountants
Accountants are uniquely placed: you can prepare your own accountant letter (declaring your net income to the lender), which most lenders accept — provided you’re a member of CPA Australia, CA ANZ or IPA. That makes low doc one of the cleanest paths to a home loan for the profession that invented the alt-doc format.
Who this page is for
Sole practitioner accountants, partners at accounting firms (Big Four, mid-tier, boutique), tax agents and BAS agents running their own books, bookkeepers running multi-client practices, financial planners with their own AFSL, and external auditors operating under their own ABN.
Income evidence we can use
Self-prepared accountant letter is the most common path (you sign your own declaration). 12 months of BAS works for clean trading. For partners in accounting firms, partnership distribution documented in firm financials is accepted by most specialist lenders. Some lenders ask for your professional body membership number on the application.
Typical borrowing capacity
Senior accounting partners and well-established sole practitioners typically borrow $1.5M–$4M depending on assessed income. Up to 90% LVR with accounting-professional LMI waivers (full-doc) or 80% standard low doc. Many lenders extend professional discounts to accountants similar to those offered to doctors and lawyers.
FAQs — Accountant home loans
Can I sign my own accountant letter?
Yes — if you’re a member of CPA Australia, CA ANZ or IPA, most lenders accept a self-prepared accountant declaration. It must follow the lender’s required format.
Do I get the LMI waiver?
Most major lenders waive LMI for accountants up to 90% LVR on full-doc applications. CPA/CA/IPA membership required. Low doc applications don’t typically qualify but specialist products exist.
My practice income is volatile due to tax-season concentration — problem?
No — lenders look at 12-month averages, so seasonal concentration in June–October smooths out. A self-prepared letter explaining the cycle helps assessors.
Accountant mortgage broker
Free consultation. You speak the language — we’ll find the lender that does too.
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