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Cleaning Business Owner

Cleaning Business Home Loan Australia: For Small Cleaning Operators

Q: I run a one-person cleaning business. Will banks lend to me?

Yes — through specialist lenders. 2 years BAS + tax returns required.

Q: My contracts vary month to month. Does that hurt me?

Annual consistency matters more than month-to-month variation.

Q: I claim a lot of vehicle/equipment expenses. Does that hurt borrowing?

Yes — assessed income is net of expenses. Some lenders add back depreciation.

Q: How much deposit will I need?

Full-doc 15–20% (10% with LMI). Alt-doc 20–30%.

Q: My partner helps with the business. Can we apply jointly?

Yes — joint applications standard and improve serviceability.

Mortgagefy Broker Team · Published 2026-04-29 · Last reviewed 2026-04-29

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

Free cleaning business chat

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

Compare lender options

We identify which specialist lenders work for cleaning business income.

Application package

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

Settle your home

Approval through to settlement with ongoing support.

Frequently asked questions

I run a one-person cleaning business. Will banks lend to me?

Yes — through specialist lenders. With 2 years of BAS and tax returns showing consistent income, sole-trader cleaning business owners can access home loans on workable terms.

My contracts vary month to month. Does that hurt me?

Lenders care about annual consistency, not month-to-month. Strong yearly BAS and tax returns typically smooth out monthly contract variation.

I claim a lot of vehicle/equipment expenses. Does that hurt borrowing?

Yes — assessed income is generally net of expenses. Aggressive deductions reduce borrowing capacity. Some lenders apply add-backs for depreciation. Talk to your accountant about timing.

How much deposit will I need?

Full-doc: typically 15–20% (10% with LMI). Alt-doc/low-doc: 20–30%. We model your specific position.

My partner helps with the business. Can we apply jointly?

Yes — joint applications are common and typically improve serviceability significantly.

Get a cleaning business home loan assessment

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

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