Self-Employed & Non-Bank Home Loans Tauranga — Finance That Fits How You Really Earn
I’m Eddie Biesenbach — Tauranga mortgage broker with 20+ years’ experience helping business owners, contractors, freelancers, and commission earners get approved, even when banks make it hard.
Self-employed income isn’t “messy” — it’s just different.
Banks often don’t understand it.
I do.
Why Self-Employed Borrowers Struggle With Standard Banks
Banks prefer tidy payslips.
If you’re self-employed, you don’t have that — and the bank often:
• Ignores your real income
• Misreads your financials
• Treats write-offs as “low income”
• Doesn’t understand contractor patterns
• Penalises fluctuating earnings
• Demands more documents than necessary
You shouldn’t be declined just because your business is structured efficiently.
I present your income correctly, explain your real earning power, and match you to lenders who get how self-employed income actually works.
What I Do for Self-Employed Home Buyers
Income Analysis & Add-Backs
I calculate your real income — including depreciation add-backs, one-off expenses, cashflow patterns, and GST trends.
Bank & Non-Bank Comparisons
Some banks love contractors. Some don’t. Non-bank lenders can be flexible and fast. I compare both.
Alternate Documentation Options
For newer businesses, we can use GST returns, 6–12 months trading, accountant letters, or other accepted docs.
Approval After Decline
If your bank already said “no,” I find lenders who will say “yes” based on a more realistic view of your income.
Long-Term Finance Strategy
Whether buying your first home, upgrading, or planning a rental, I’ll build a lending plan that supports your long-term goals.
No Judgement — Just Solutions
Every income story is different. My job is to help you get approved, not question how you earn it.
Tauranga Case Study — Approved in 72 Hours
Jared — Bethlehem
Jared ran a profitable painting business, but his accountant legally minimised taxable profit.
The bank declined him immediately.
I analysed two years of financials, added back non-cash expenses, normalised income dips, and presented a clear servicing picture to a lender specialising in self-employed clients.
Result:
• Approved in 72 hours
• Bought his home in Matua
• Refinanced back to a bank later on at a sharper interest rate
How My Self-Employed Loan Process Works
I make the process simple, clear, and stress-free. My job is to present your income properly, match you to the right lender, and keep everything moving smoothly.
We review your GST returns, bank statements, financials, and cashflow to understand your true borrowing power.
I match your income style with the lenders most likely to approve you — bank or non-bank.
I prepare your application, present your income correctly, and deal with lender questions.
When your financials improve, I help you refinance into a sharper rate with a mainstream bank.
Your Questions, Answered
Can I get a home loan if I’m newly self-employed?
Yes — some lenders will consider applicants with less than 12 months in business. Others want 1–2 years of financials. We match you with the right lender for your stage.
What documents do I need as a self-employed borrower?
Usually GST returns, bank statements, financials, or accountant letters. Non-bank lenders can use alternate documents if your financials aren’t perfect.
Do non-bank lenders charge higher interest rates?
Sometimes slightly higher, but often worth it to secure approval. Many clients refinance back to a bank within 12–24 months once their financials improve.
Can I still get approved if my taxable income looks low?
Yes. We calculate add-backs like depreciation, one-off expenses, retained earnings, and cashflow to show your true affordability.
Do you help if I’m a contractor or earn commission?
Absolutely. We regularly help contractors, tradies, commission-based earners, and freelancers across Tauranga and NZ get approved with flexible lenders.
Ready to Get Approved the Right Way?
Your income might look complicated to a bank — but it won’t look complicated to me.
Let’s get you approved with a lender who understands how you really earn.
Whether you’re buying your first home, refinancing for a better deal, or planning your next investment move, now’s the perfect time to get expert advice. Our friendly team at Best Mortgages is based right here in Tauranga and helps Kiwis across the Bay of Plenty make sense of these market shifts. We speak plain English (and a bit of Kiwi slang when needed) and work for you – not the banks – to find the right solution.
Ready to explore your options? Contact us today for a free, no-obligation chat and we’ll walk you through the latest rates, rules, and opportunities tailored to your goals. Let’s turn those property dreams into reality this spring – we’re only a phone call or coffee catch-up away. See our reviews to know why we are called the best. Also stay up to date with our latest news for the best tips and advice.
Best Mortgages — Operated by Ewald Biesenbach (FSP 320426) under The Best Limited (FSP 724451 – NZBN 9429043352067). Licensed under the Financial Services Legislation Act 2019.
