Self-employed

Start here: ATO tax debt and your home loan in 2026: what every self-employed Australian needs to know before you apply

Articles in Self-employed

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  Self-employed

  ATO tax debt and your home loan in 2026: what every self-employed Australian needs to know before you apply

  From 1 July 2019, the ATO has been allowed to disclose business tax debts above $100,000 to the credit reporting bureaus. Seven years on, the rule is mature, lenders know exactly how to read it, and self-employed borrowers are paying a price for not understanding it. Here is the plain-English version — what triggers disclosure, what lenders actually see, and the pragmatic path most clients use to clear the debt and the application in one move.

  27 Apr 2026 · 12 min

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  Self-employed

  Self-employed home loan documents checklist for Australia (2026): exactly what lenders want and why

  If you run your own business in Australia, your home loan approval is decided by the paperwork before it is decided by the property. Here is the full 2026 document checklist lenders actually use — full-doc, alt-doc, 1-year ABN and 2-year ABN paths — with the reasoning behind each line.

  16 Apr 2026 · 12 min

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  Self-employed

  Self-employed on a high rate? The Easy Refinance pathway in Australia (2026)

  If you run your own business and your home loan still carries a double-digit headline from a few years ago, full-doc refinance can feel like a second job. Here is how an Easy Refinance–style pathway works for eligible borrowers, what still gets checked, and how to know if you should move now.

  14 Apr 2026 · 7 min

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  Self-employed

  Self-employed income: what lenders actually want to see this year

  What “acceptable self-employed income” looks like on paper: tax returns, add-backs, BAS, bank behaviour — and why your accountant's version and the bank's version have to match.

  14 Feb 2026 · 8 min