Buying guide

Getting a mortgage if you’re self-employed

Experts explain why it can be more difficult to get a mortgage if you're self-employed.

Karina Reardon
Last updated: 4 August 2025 | 2 min read

What you’ll learn:

What mortgage advisers say about options for self-employed

Taking the alternate lender route

Q & A with Luke Jackson, General Manager of Resimac NZ

Luke Resimac anwers questions on lending for the self employed

Will more lenders be catering to self-employed people as they become a bigger part of the workforce?

How do you assess a self-employed borrower?

Are mortgage rates higher for self-employed people?

Would you be more confident about a loan if, in a couple, one of the borrowers was on a salary and the other was self-employed?

Any other pieces of advice for self-employed home buyers?

Author

Karina Reardon Karina Reardon