Financial statements
Company or business financial statements, accountant-prepared accounts, profit and loss information and balance sheet details may be requested.
公司财报、会计师准备的 accounts、profit and loss、balance sheet 等资料可能会被银行要求。
Self-employed mortgage broker Auckland | 自雇人士贷款
Self-Employed Mortgage Broker Auckland | Amanda Chen
Amanda Chen helps self-employed clients, contractors, sole traders, company directors and business owners understand mortgage documents, income evidence, lender requirements and possible home loan options. 提供中文和英文房贷沟通支持。
Complex income support
自雇人士、生意主和复杂收入结构
自雇人士申请房贷时，银行可能会查看公司财报、个人收入、税务资料、银行流水、GST 情况、business structure 和整体负债情况。
Amanda can help self-employed clients understand what lenders may ask for and how to prepare before applying for a home loan, refinance or investment property loan. This can include contractors, sole traders, company directors, shareholders and business owners with more complex income.
With financial industry experience across China and New Zealand, Amanda can explain the process in Mandarin and English for Chinese-speaking business owners and self-employed borrowers.
Documents lenders may ask for
Self-employed mortgage document checklist
不同银行要求会不同，但自雇人士通常需要提前整理收入证明、公司资料和银行流水。准备越清楚，沟通越顺。
IRD and tax information
Lenders may review IRD income information, tax returns, GST returns or shareholder salary depending on the business structure.
银行可能查看 IRD 收入资料、tax return、GST return、股东工资或分红情况。
Bank statements
Personal and business bank statements can help lenders understand income flow, expenses, commitments and conduct.
个人和公司银行流水可以帮助银行了解收入进账、支出、负债和账户使用情况。
Business structure
Your documents may differ if you are a sole trader, contractor, company director, shareholder or business owner.
sole trader、contractor、company director、shareholder 或 business owner 需要准备的资料可能不同。
Self-employed mortgage FAQ
自雇人士房贷常见问题
Can self-employed borrowers get a mortgage in Auckland?
Yes. Self-employed borrowers may be able to apply for a mortgage, but banks usually need a clearer view of income history, business structure, expenses, existing debts and supporting documents.
可以。自雇人士、生意主和 contractor 可以申请房贷，但银行通常会更仔细地看收入稳定性、公司结构、支出、负债和证明文件。
What documents do self-employed mortgage applicants usually need?
Common documents may include financial statements, IRD income information, GST returns, company accounts, personal and business bank statements, deposit evidence and details of existing debts.
常见资料包括公司财报、IRD 收入资料、GST return、公司 accounts、个人和公司银行流水、首付证明和现有负债资料。
Does Amanda provide Mandarin support for self-employed clients?
Yes. Amanda provides Mandarin and English support for self-employed clients, business owners and Chinese-speaking borrowers across Auckland and New Zealand.
提供。Amanda 可以用中文和英文协助自雇人士、生意主和华人客户了解银行资料要求和贷款流程。
New Zealand service areas
中文房贷服务覆盖更多城市
Amanda is based in Auckland and can support Chinese-speaking clients by phone, video call and email across New Zealand, including Wellington, Hamilton, Christchurch and Queenstown.
Amanda 常驻奥克兰，可通过电话、视频会议和邮件协助惠灵顿、汉密尔顿、基督城、皇后镇及新西兰其他地区的华人客户准备贷款资料、了解银行要求和沟通贷款方案。
Contact Amanda
Prepare your self-employed lending documents
如果你是自雇人士或生意主，可以先联系 Amanda 了解通常需要准备哪些资料。
Amanda Chen
Mortgage Adviser | Loan Market United
Call 021 214 3218amanda.chen@loanmarket.co.nz
WeChat: Amandachen_nz
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