Self-employed mortgage advice in New Plymouth & Taranaki

Banks can make getting a mortgage difficult when you're self-employed. I've run my own business — I understand your situation and know exactly how to present your application to give it the best possible chance.

Book a free chat Call 027 315 5850

I've been where you are.

Before becoming a mortgage adviser, I ran my own service business in Taranaki for seven years. I know what it's like to have variable income, to write off legitimate business expenses, and then be told by a bank that "your income doesn't look consistent enough." That experience shaped how I work with self-employed clients — I know which lenders are genuinely self-employed friendly, and I know how to present your financials in the strongest possible light.

The challenge

Why self-employed mortgages are harder — and how I fix that

Banks lend based on provable income. As a business owner, your income may vary year to year, you may legitimately reduce your taxable income through business expenses, and you likely don't have payslips to prove what you earn.

Different lenders treat self-employed income very differently. Some will average your last two years of accounts. Others will use your most recent year. Some accept add-backs (adding depreciation and one-off expenses back to your income figure). Some require only one year of trading history.

The key is knowing which lender to approach for your specific situation. A lender that works well for a sole trader may not work well for a trust structure — and vice versa. This is where I add real value.

What you'll need

Documents lenders typically require

✓ Last 2 years of financial statements (signed by accountant)
✓ Last 2 years of personal and business tax returns (IR3 / IR4)
✓ Latest 3–6 months of business bank statements
✓ GST returns (if applicable)
✓ Evidence of business registration
✓ Accountant's letter confirming trading status and income (some lenders)

Don't worry if you don't have all of these yet — I'll tell you exactly what's needed for your situation in our first conversation.

How I help

My process for self-employed clients

Understand your income structure

Whether you're a sole trader, company director, or operating through a trust — I'll work out exactly how lenders will assess your income.

Identify the right lender

I compare all major and specialist NZ lenders to find who will give you the best rate and terms for your specific income type and business structure.

Prepare your application

I'll work with you (and your accountant if needed) to prepare your financials in a way that tells the right story to the lender.

Manage the process

From pre-approval to settlement, I handle lender communication and keep you updated — so you can focus on running your business.