Self-Employed & ACC: Buying a House

Wondering if your ACC payments could stand in the way of homeownership? Our latest episode shatters common misconceptions around mortgages for those with unconventional income streams.

We dive deep into a fascinating case study of a client receiving permanent ACC payments while working as an Uber driver. While his ACC income is viewed favourably by lenders, his self-employment history presents unique challenges. Despite seven years in business, a recent gap year and inconsistent earnings have made mainstream banks hesitant.

The good news? Solutions exist. We explore alternative lending options and strategies for strengthening financial positions over time. The key takeaway: ACC income can absolutely work for mortgage approval when it's permanent and properly documented.

Perhaps most inspiring is our success story about a single mother with four dependents who secured a mortgage based entirely on ACC and benefit income. This remarkable achievement allowed her to buy out her ex-partner's share of their home—despite him having permanent employment with a substantial salary. It's powerful proof that with the right mortgage broker, homeownership remains accessible even in complex financial situations.

For anyone receiving ACC payments or working in non-traditional employment, this episode offers practical guidance and genuine hope. Whether you're self-employed, receiving permanent benefits, or balancing multiple income streams, homeownership might be closer than you think. Listen now to discover how to navigate your unique path to property ownership.

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