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Cleaning Business Owner

Cleaning Business Home Loan Australia: For Small Cleaning Operators

Mortgagefy Broker Team · Published · Last reviewed

Cleaning businesses are some of Australia's most common small businesses — but their lending profile is harder than salaried workers. Mortgagefy specialises in cleaning business lending.

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Who this guide is for

Australian cleaning business owners — domestic, commercial, end-of-lease, contract — wanting home loans from lenders who understand small cleaning operations.

  • Sole-trader cleaning business owners
  • Small commercial cleaning companies with 2–10 staff
  • End-of-lease and bond cleaning businesses
  • South Asian and migrant cleaning business owners needing cultural support

The real challenge

Cleaning businesses face two big lending challenges: variable contracts and modest taxable income after expenses (vehicle costs, supplies, sub-contractor payments). Major banks see the tax return and decline.

Specialist lenders understand the cleaning industry. With 2+ years of trading and consistent BAS, options open up.

How Mortgagefy helps

Mortgagefy works with lenders who specifically accept cleaning business income — both full-doc and low-doc/alt-doc structures. We help document trading consistency and present the right financials to the right lender.

Free advice. Honest assessment.

How it works — 4 simple steps

1

Free cleaning business chat

20-minute call about your business structure, BAS, tax returns and target home.

2

Compare lender options

We identify which specialist lenders work for cleaning business income.

3

Application package

We compile your tax returns, BAS, business bank statements and supporting documents.

4

Settle your home

Approval through to settlement with ongoing support.

Frequently asked questions

We use offer letters and vesting schedules to value RSUs conservatively. We present current vesting value + projected future vesting as a 3-5 year income average. This gives lenders confidence in your income stability while accounting for market volatility.
Both. We work with W2 employees, 1099 contractors, and consultants. For contractors, we use 2 years of tax returns plus business financials. We have lenders who specialise in contractor income—they understand the variability.
Unvested options have zero value for refinancing. We count only vested equity. If you have a 4-year vest, we use 25% of the grant value (what's vested) plus a conservative projection of future vesting.
If you've been in your new role 6+ months, most lenders will refinance. We'll use your offer letter plus 6 months of pay stubs. If less than 6 months, it's harder but possible with specialist lenders.
Yes, if you have 2+ years of bonus history. We average the past 2 years and present it conservatively. Some bonuses get counted at 50% to be conservative with variable compensation.
ESPP is counted as deferred compensation. If your company matches or you have a discount, we value it as part of total compensation package.

Get a cleaning business home loan assessment

Free 20-minute call about your real options as a cleaning business owner.

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Mortgagefy

Sydney mortgage broker — Specialist in self-employed and unconventional income loans

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