Self Employed Home Loans

How Self Employed Loans Work

Self-employed borrowers in Australia are typically assessed using one of two main pathways.

Full Doc Loans

This is the most common option and usually offers the most competitive rates.
Lenders will generally require

• Two years of personal and business tax returns
• Financial statements
• Notice of assessment

Some lenders may accept one year of financials if your income is strong and consistent.

Low Doc Loans

Low doc loans are designed for borrowers who may not have up-to-date financials but can demonstrate income through alternative documents.

These may include

• BAS statements
• Business bank statements
• Accountant declarations

Low doc loans often require a larger deposit and may come with higher interest rates, reflecting the additional risk to the lender.

Understanding Borrowing Capacity

Lenders assess self-employed income differently. Some average two years of income, while others may use the most recent year or allow add-backs such as depreciation.

This means your borrowing capacity can vary significantly depending on the lender.

Why Use a Broker

Self-employed lending is highly policy-driven, and not all lenders treat income the same way.
We help you

• Identify whether full doc or low doc is more suitable
• Present your income in a way lenders understand
• Compare lenders with flexible self-employed policies
• Structure your loan to support future purchases or business growth

What We Do Best

We Translate Your Financials

We help position your income in a way lenders understand.

We Match the Right Lending Policy

We identify lenders that align with your business and income profile.

We Support Long-Term Growth

We structure your lending to support both personal and business goals.