Self Employed Home Loans Australia: Compare 60+ Lenders Built for Business Owners

Yes, most major banks and specialist lenders offer self employed home loans, typically requiring two years of trading history, though some will consider newer businesses with relevant industry experience.

A full doc loan uses your tax returns and financial statements as standard proof of income. A low doc loan accepts alternative evidence, such as BAS statements, when full documentation isn't available. Alt doc sits between the two, often using business bank statements to verify cash flow.

Lenders assess your taxable income, which is often reduced by legitimate business deductions. We can identify add backs, such as depreciation, that some lenders will factor back into your assessed income.

Most lenders prefer two years of trading history. Some will still consider your application after one year if you have prior experience in the same industry.

Not always on full doc loans, where pricing is generally comparable to PAYG borrowers with a similar risk profile. Low doc and alt doc loans typically carry a modest rate premium reflecting the reduced documentation.

It can. Lenders assess income differently depending on your business structure, and some require additional documentation such as company financials or trust deeds. We'll confirm exactly what's needed based on how your business is structured.

Yes, many self employed borrowers refinance once they have stronger financials or additional years of tax returns to show, which can unlock better rates and a wider choice of lenders.

Banks only show their own products, and only have to offer what is in their own range. As a broker, we are legally required under the Best Interests Duty to prioritise your interests, we compare many lenders, explain the fine print, and manage the process end to end.