Services · Self employed
Self employed Australians can absolutely get a home loan.
We work with lenders who accept low-doc and alt-doc income evidence, including BAS, business bank statements and accountant declarations, so you do not get rejected for not fitting a payslip-shaped box.
The challenge isn't whether you qualify. It's how your income gets presented to the right lender. Self employed income doesn't fit neatly into models built for PAYG applicants. Some lenders genuinely understand it and will work off one year of financials. Others want two full years and discount any year where income dipped. A smaller group offers low-doc and alt-doc lending for situations where standard documentation isn't yet available.
Life as an ABN-holder is rewarding, and a little chaotic, and that's okay. Your income might not fit into neat boxes, but we know exactly how to present it. We specialise in loans for business owners, contractors, freelancers and sole traders, working with lenders who truly understand self-employed borrowers.
Less back-and-forth. More “approved.”
Low-doc and alt-doc lending
What if I can't provide two years of tax returns?
Low-doc and alt-doc lenders accept alternative income evidence instead of the standard two-year tax return requirement. Common options:
- ·12 months of BAS statements
- ·6 to 12 months of business bank statements
- ·Accountant's declaration of income
- ·One year of financials if income trajectory is strong
Low-doc loans may carry a slightly higher interest rate and require a larger deposit. But for many self-employed Australians, they are the path to approval that would otherwise be out of reach.
Questions answered
Self employed home loan questions
- Can I get a home loan if I'm self employed?
- Yes. Self employed Australians can absolutely get a home loan. The challenge isn't whether you qualify, it's how your income gets presented to the right lender. Some lenders genuinely understand self employed income and will work off one year of financials. Others want two full years. A smaller group offers low-doc and alt-doc lending for situations where standard documentation isn't yet available.
- How long do I need to be self employed before a lender will consider me?
- Most lenders want at least two years of self employed history with two years of tax returns and Notices of Assessment. Some accept one year of financials if your income trajectory is strong and you have prior PAYG history in the same industry. A smaller group considers applicants with as little as 6 to 12 months of trading through alt-doc lending.
- What is a low-doc home loan?
- A low-doc home loan is a mortgage designed for self employed applicants who can't provide the standard two years of tax returns. Instead, lenders accept alternative income evidence: BAS statements, business bank statements, accountant declarations, or a combination. Low-doc loans usually have slightly higher interest rates and may require a larger deposit.
- Will lenders accept BAS or business bank statements as income evidence?
- Some will, but it depends on the lender and the type of loan. For low-doc and alt-doc lending, BAS statements (typically 12 months) and business bank statements (usually 6 to 12 months) become the primary income evidence. Some lenders also accept an accountant's declaration. The right lender match depends on what documentation you have available.
Your income is real. Let's find the lender who gets it.
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