Yes — though the assessment is more complex than for PAYG employees. Lenders assess self-employed income using your last 2 years of tax returns and business financials. Many major banks use a conservative 2-year average that can undervalue your real income capacity. Specialist lenders on Paddy’s panel assess self-employed income differently — including add-backs (depreciation, vehicle expenses) that standard banks often exclude. See the full guide: Self-Employed Home Loan Guide.