Home loans designed for the self-employed — even without payslips
Secure a mortgage with flexible income verification options tailored for business owners, sole traders, freelancers, and contractors.
Alt-doc and full-doc loan options
Borrow up to 90% LVR
No tax returns needed for some lenders
Compare Key Features of Self-Employed Home Loans
Compare key features at a glance — from loan size to income verification.
| Feature | Self-Employed Home Loan |
|---|---|
| Loan Amount | $100,000 to $2,000,000+ |
| Loan Term | Up to 30 years |
| Income Verification |
Alt-doc accepted: BAS, business bank statements, or accountant declaration |
| LVR (Loan-to-Value Ratio) | Up to 90% (LMI may apply if above 80%) |
| Security | Residential property (owner-occupied or investment) |
| Use of Funds | Property purchase, refinance, or investment |
| Best for | Self-employed borrowers needing flexible income verification |
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Our Trusted Providers
Go Beyond the Basics with Self-Employed Home Loans
More than just a mortgage — get lending flexibility that works with your business income, not against it.
Prove income your way
Alternative documentation accepted
Use business activity statements (BAS), bank statements, or an accountant’s letter to verify income — no payslips required.
As a self-employed tradie, getting approved for a home loan felt impossible — too many hoops, too many rejections. Funding Loop looked at my business income, not just tax returns. Now I’ve refinanced and even freed up capital to invest in a second property.
Jason Leota
Owner, Plumbing & Gas
No tax returns? No problem
Get approved with simplified verification
Some lenders don’t require full tax returns. Instead, they assess serviceability using real business data you already have.
I thought getting a home loan without full tax returns was out of the question. But Funding Loop used my business data instead — no accountant runaround, no delays. I was pre-approved in days and finally bought my first home as a sole trader.
Emily Tran
Owner, Event Stylist
Buy, refinance or invest
One loan, multiple purposes
Purchase a new home, refinance your current mortgage, or invest in property — all under a self-employed lending structure.
Being self-employed made getting a home loan feel out of reach. Traditional lenders kept asking for payslips I didn’t have. Funding Loop looked at my business performance and approved us to buy our first home — without jumping through hoops.
Priya Patel
Owner, Property Maintenance
Eligibility Requirements
To access a self-employed home loan through Funding Loop, your business must meet these basic criteria.
Self-employed for at least 6 months
Some lenders accept applicants with just 6 months of trading history. For stronger approval options, 12+ months is preferred.
ABN registration
You must have a valid Australian Business Number (ABN) registered in your name or your business entity.
Alternative income documentation
You can verify your income using BAS, business bank statements, or a letter from your accountant. Full tax returns may be optional depending on the lender.
Ready to Apply?
Get matched with the right home loan for your self-employed situation. Our process is fast, simple, and built for business owners.
Tell us about your goals
Let us know what type of property you’re buying, refinancing, or investing in — and how long you’ve been self-employed. We’ll guide you on which documents are needed.
Fast lender match
We’ll review your documents and match you with lenders that offer self-employed loans suited to your income and situation — including alt-doc options if needed.
Get approved and settle
Once approved, we’ll guide you through the final steps and liaise with the lender until settlement. You’ll receive your loan funds and start repayments under your chosen terms.
Frequently asked questions
What is a self-employed home loan?
It’s a home loan specifically structured for business owners, contractors, or freelancers who don’t have standard PAYG income. Lenders assess your income differently — using BAS, bank statements, or other documents — instead of just payslips and tax returns.
What’s the difference between full-doc and alt-doc loans?
Full-doc loans require full financials like tax returns and ATO notices of assessment. Alt-doc (alternative documentation) loans allow you to use other proof of income — such as BAS, business bank statements, or an accountant’s letter.
Can I get a home loan without tax returns?
Yes — many lenders offer alt-doc home loans where tax returns aren’t required. Instead, you can use BAS, bank statements, or an accountant’s declaration to verify income.
How long do I need to be self-employed?
Some lenders accept applicants with as little as 6 months of trading history. However, most prefer 12 months or more for stronger approvals and better rates.
Can I borrow up to 90% of the property value?
Yes — depending on the lender and your documentation, you may be able to borrow up to 90% of the property’s value. Lender’s Mortgage Insurance (LMI) usually applies if borrowing over 80%.
Can I use the loan for investment property or refinancing?
Absolutely. Self-employed home loans can be used to buy a home, refinance an existing mortgage, or purchase an investment property.
What if I’ve had past credit issues or ATO debt?
Some lenders are open to applicants with a less-than-perfect credit history or outstanding ATO debt — especially if you can demonstrate stable business income and a good explanation. We’ll help match you with the right lender based on your profile.
How fast can I get approved?
Initial pre-approval can often be obtained within 24–48 hours once all documents are provided. Full approval and settlement typically take 1–3 weeks, depending on the lender and complexity of your application.
