Flexible Home Loan Options for the Self Employed
Lenders often assess self employed applicants differently than salaried workers. Some banks are strict about needing two years of tax returns, while others offer alternative low doc assessment methods. We work with both full doc and low doc lenders to give you more options.
Depending on your business setup, you may be able to apply using:
- Business Activity Statements (BAS)
- Business or personal bank statements (3–12 months)
- Accountant prepared income declarations
- Partial or recent tax returns
We help you understand what each lender needs and present your application in the strongest possible light.
How We Can Help
Self employed lending can be complex, but we keep the process simple. Here is what we offer:
Low doc and full doc home loan options
Whether you’ve just started or been trading for years, we help you move forward.
Assessment using BAS, bank statements or accountant letters
No need to wait until your next tax return – apply based on your current financial position.
Access to specialist self employed lenders
We work with banks and non-bank lenders who understand business owners.
Clear advice on income verification
We explain what each lender will accept and help with the required documents.
Custom structuring for tax efficiency
We work with your accountant to align the loan with your business and tax setup.
Is a Self Employed Home Loan Right for You?
You may be eligible for a self employed or low doc home loan if:
- You operate as a sole trader, partnership, trust or company
- You earn business income but do not have up to date tax returns
- You’ve recently changed structures (e.g. from sole trader to company)
- You are self employed and want to borrow for a home or investment
- You’ve been declined by a bank for lack of documentation
Even if you have only been self employed for 6–12 months, there may still be options. We assess your situation and show you what is possible.
Why Choose HomeLoan 4 You?
We understand the challenges that come with being self employed. Our team will advocate for your business and support a loan strategy that works for your lifestyle and goals.
We specialise in low doc lending
We know which lenders offer flexibility and which to avoid.
Access to 40+ lenders
From big banks to boutique lenders, we compare the market to find your best fit.
We simplify the paperwork
We tell you what to provide and handle the rest.
Custom advice for your business structure
Company, trust, sole trader – we adapt the loan structure to suit your setup.
No upfront broker fees
Our service is typically free – we are paid by the lender once your loan settles.
Fast pre-approvals and ongoing support
We get you ready to buy with confidence and assist with future refinancing or purchases.