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Frequently asked questions
Have questions? We can help.
Can I get a home loan if I haven’t lodged my tax returns?
Yes, we work with lenders who offer flexible options.
You may be able to verify your income using alternative documentation, such as bank statements or BAS.
What documents can I use to prove my income?
6 to 12 months of business or personal bank statements.
Business Activity Statements (BAS).
An accountant’s letter verifying your income.
In some cases, profit and loss statements.
Do I need to be self-employed for a certain period?
Yes, generally at least 6 to 12 months of self-employment is required.
Longer trading history may improve your chances and loan terms.
What is a low doc home loan?
A loan that allows you to verify income without full financials or tax returns.
Designed specifically for self-employed borrowers.
Typically requires alternative income evidence.
Are interest rates higher for low doc loans?
Interest rates can be slightly higher due to the increased risk to lenders.
Rates vary depending on your deposit, credit history, and income verification.
Can I refinance with a low doc loan?
Yes, refinancing options are available even without lodged tax returns.
You can potentially access better rates, consolidate debt, or release equity.
Do I need a large deposit for a self-employed home loan?
A 20% deposit is ideal, but some lenders accept as little as 10%.
A larger deposit can improve your approval chances and reduce LMI (Lenders Mortgage Insurance).
Can I apply if I’ve only recently started my business?
Yes, some lenders accept applicants with as little as 6 months in business.
Strong bank statement history and industry experience may be required.
Will my credit history affect my application?
Yes, your credit report is still reviewed.
We work with lenders who understand the ups and downs of self-employment and may consider applicants with minor credit issues.
How can Self Employed Finance help me?
We specialise in helping self-employed Australians secure home loans without needing up-to-date tax returns.
We match you with lenders that offer flexible, tailored loan options.
We handle the paperwork and guide you through the process from start to finish.
