Have you been waiting to buy a house? Or maybe you've been looking for a new car and can't get a loan? If so, you're not alone.

The number of self-employed Australians with ABN has increased over the past few years, and there are now more than 1 million self-employed workers in Australia. But with this increase in the number of self-employed Australians, the demand for self-employed loans (home loans and personal loans) has increased.

Most lenders are fairly conservative with how they assess a self-employed person's income: they may only take the latest year in isolation or an average of the last two years. Lenders also have different methods for treating things like depreciation, net profit, and dividends. This means that even if your business is doing well right now, it doesn't necessarily mean that it will be seen as such by your lender—so choosing the right lender is key!

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