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Self Employed Loans & Business Lending NZ

 Self Employed Loans & Business Finance NZ

Tailored Lending Solutions for Kiwi EntrepreneursSelf employed loans and business finance

If you’re self-employed or run a small business in New Zealand, securing self employed loans through traditional banks can be a real challenge. Most banks prefer the consistency of PAYE income, which leaves many self-employed people feeling stuck. But your hard work and ambition shouldn’t be overlooked.

We’re here to offer better options. Based in the Waikato, we specialise in helping self employed Kiwis access flexible finance solutions—whether you’re looking for a home loan, business lending, or refinancing support.

Find out if you qualify

Self Employed Loans for Home Buyers

Getting a home loan when you’re self-employed often feels harder than it should. Banks usually ask for stable income over two or more years, making it difficult for those with fluctuating earnings or newer businesses.

As a sole trader, contractor, or small business owner, your income may vary—or you might reinvest in your business rather than take a large salary. That doesn’t mean you can’t afford a home loan. You just need a lender who understands your situation.

We work with banks, non-bank lenders, and specialist providers who look beyond the usual paperwork and focus on your actual capacity to repay.

Common Challenges with Banks:

  • Need for two years of full financials
  • High income and profit requirements
  • Inflexible criteria for variable income

If you’ve been turned down by a bank, don’t give up. We offer a different path forward.

How We Help with Self Employed Loans

Our approach is more flexible. We focus on the reality of your income and business, not just what’s on your tax return. Our lenders understand how business works—they know your numbers don’t tell the whole story.

We Can Help If:

  • You’ve been self-employed for just 6–12 months
  • Your income varies month to month
  • You’ve been declined by a bank
  • You’re missing some financial documents

Alternative Documentation May Include:

  • GST returns
  • Business bank statements
  • Profit and loss summaries
  • A letter from your accountant


These documents can show your financial health more clearly than tax returns alone.

Business Lending for Growth

We don’t just help with self employed loans for home buying. If you need funding to grow your business, we can help with that too.

Whether it’s new equipment, working capital, or a commercial premises, we’ll connect you with the right finance solution and support you every step of the way.Self employed loans for your business needs

We Offer:

  • Business loans (secured or unsecured)
  • Commercial property loans
  • Vehicle and equipment finance
  • Short-term working capital

We’ll also help prepare your documents and negotiate with lenders so you can stay focused on running your business.

Why Choose Us?

We’re Waikato locals and proud to support self-employed Kiwis throughout New Zealand. We understand your business challenges and how to present your case effectively to lenders.

You’ll Get:

  • Personalised lending advice
  • A wide range of lender options
  • Fast, friendly, and clear communication
  • Real solutions tailored to your needs

We make self employed loans simple and stress-free, so you can focus on your goals.

 

Frequently Asked Questions

  1. How long do I need to be self-employed?
    Some lenders accept just 6–12 months of trading. Others require two years. We’ll find the best option for you.
  2. What if I’ve already been declined by a bank?
    No worries. We work with lenders who are more flexible and understand business cash flow.
  3. Will my interest rate be higher?
    Possibly, but not always. Specialist lenders may charge slightly more, but rates can still be competitive.
  4. Can I get pre-approved?
    Yes, and we recommend it. Pre-approval helps you know your budget and gives you confidence when making offers.
  5. What documents will I need?
    You may need:
  • ID and proof of address
  • Business bank statements
  • GST returns
  • Profit and loss reports
  • Letter from your accountant


We’ll help you gather everything and guide you through the process.

Get the Finance You Deserve

Let’s Chat

You’ve worked hard to build your business. Don’t let the wrong lending process hold you back. Whether you’re buying a home or expanding your business, we can help.

Talk to us today about self employed loans and finance options that work for you.

📞 Call us or fill in our online form—we’ll be in touch fast.

Andre is amazing to deal with. Very prompt and efficient! Great with communication and knows what he's doing!  Would recommend to anyone wanting their first home or sorting their mortgage! 
Melissa Henderson
100% would recommend Andre. Thanks to him, my partner and I bought our first house. He was so helpful. Gave us all the information that we needed. Communication with Andre was great. Always got back to us with promptly. Thank you Andre for making our first experience to buy our first home so easy and enjoyable.   
Kat Poutu
100% would recommend Andre. Thanks to him, my partner and I bought our first house. He was so helpful. Gave us all the information that we needed. Communication with Andre was great. Always got back to us with promptly. Thank you Andre for making our first experience to buy our first home so easy and enjoyable.   
Kat Poutu
Andre is awesome! Helped us through the madness of buying our first home, professional, knowledgeable, responded quickly to our questions and he has a great sense of humour. From Anton and Jess....  A BIG THANK YOU!!! 
Anton & Jess Atkins
Awesome service. Great communication. Highly recommended Andre if your looking for a good mortgage broker
Cara Healy
Amazing service. Thank you Andre!! Andre helped us get into our first home then recently another loan. He made the process so easy even though my wife & I did not no much about the process at all. Andre knew how to speak our language & he related to us well. He made sure we understood everything we signed & was very patient with us. Never made us feel like we were a burden.
Samuel Donaldson
I have used Andre’s services over the past five years and in that time he has been a huge help to myself and many friends and family who I have referred. He continually goes above and beyond to ensure great results and has been successful every time. I purchased property whilst overseas and he made this complicated process go smoothly with his skilled and friendly approach. Andre’s vast knowledge has helped me with ventures as a first home buyer and residential investment, through to formulating complicated proposals for a renovation and relocation project. I easily trusted him to sort all of my home and construction insurance. He was also a fantastic contact while I was in commercial sales as he was always readily available for my clients. His turnover time for work is outstanding. I couldn’t recommend a more talented and proficient broker than Andre and his company Mortgage & Insurance New Zealand.
Paul Budd
Andre is so great to work with, awesome service. Thanks Andre Stokes
Leia Cree
Andre has been my broker for over 5 years now and provides an excellent service
Robbie Whiteman
We have been with Andre for over 12 years and he has been there for all our mortgage needs with easy email reminders when any fixed rate needs reviewing and getting us the best rate out there, Top bloke ! Way easier than dealing with banks.
Craig Mullan
Service & knowledge is outstanding. Always delivers the best results. Highly recommend!
Oliver Friedlich
I appreciate the efficiency, the availability and genuine concern expressed by our Broker Andre Stokes. Nothing is ever too small or complicated for him to act on our behalf and take away the stress of paperwork involved with our insurance premiums and several claims this year.
Yvonne Buchan
Never had an easier experience than with Andre! Nothing is ever an issue, and he's there 24/7! Definitely comes with a high recommendation.
Nick Clasper
Andre is very helpful.
Kalarathan Kandiah