Help guide
Self-employed: what lenders commonly ask for
Overview of tax return, BAS, bank statement and add-back concepts — policy varies widely; verify with a broker on your entity type.
Core paperwork patterns
Two recent years of tax returns and notices of assessment are common baselines — newer self-employment triggers alt-doc or specialist paths with different pricing.
Interim management accounts rarely replace policy but can support timing narratives when tax is stale.
Add-backs and “cashflow”
Lenders adjust taxable income using permitted add-backs — not every expense line is reversible; underwriting standards differ.
Company/trust structures add layers — your broker maps income to the borrower’s servicing story.