Self-employed home loan options you might not know about

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Getting finance when you’re self-employed is more achievable than most people think. You just need to know which options are available — and how to present your application.

Common misconception: You don’t always need two years of financials. Some specialist lenders will consider applications with as little as 6–12 months of ABN history, depending on your overall financial position.

  • Full doc loans

    The standard option if your income is steady and well-documented. You’ll typically need one to two years of tax returns, notices of assessment and financial statements. These usually come with lower interest rates.

  • Alt doc loans

    If you can’t meet standard documentation requirements, some lenders will accept accountant letters, BAS statements or business bank statements instead. Rates are generally higher, but it can be a real pathway into the market — and some lenders will review rates once full financials are available.

  • Newer businesses

    Most major banks want two years of ABN history, but specialist and non-bank lenders may consider 12 months — or as little as 6 — if your deposit is strong, your credit is clean and your income is consistent.

  • Tips to strengthen your application

    Get your records up to date. Keep business and personal finances separate. Build your deposit where you can. And reduce existing debts before applying if your situation allows it.

Not sure which option suits your situation? We can match you with the right lender and help you prepare a strong application.

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