Self-employed home loan
Self-employed home loan Australia — buy with the income story lenders actually read.
If you earn through an ABN, company, trust, or contracting arrangement, a home loan is still available — but the evidence pack matters as much as the deposit. Azure Home Loans maps full-doc and alt-doc pathways before you chase a purchase price that your file cannot support.
- ✓See whether full-doc (tax returns) or alt-doc (BAS / accountant letter) fits your trading history before you offer.
- ✓Model deposit, LMI, and serviceability against how lenders shade add-backs — not a payslip calculator alone.
- ✓Australia-wide broking with the same credit representative from first call to lodgement where possible.
WhatsApp: 0400 77 77 55 · Already own? Refinance →
Evidence lane first — then purchase price. Avoid unconditional offers before the file is clear.
Check my purchase laneWhat happens on your first call
Three steps — structure, evidence, buyable budget.
- 1
Map how you earn
Sole trader, Pty Ltd, trust, or contractor — each structure points to a different document pack and lender shortlist.
- 2
Pick the evidence lane
Two years of returns, one strong year, BAS-only, or accountant letter. The wrong lane wastes weeks and can mark your credit file.
- 3
Buy with a clear budget
We align purchase price, deposit, LMI, and genuine savings to policy before you go unconditional — especially at auction.
Why self-employed purchases are different
Same lenders as PAYG buyers — different income reconstruction. Costs and risks sit in the evidence pack, not only the rate.
Income is not one payslip
Lenders reconstruct assessable income from tax returns, add-backs, and sometimes BAS. Low personal wage with high company profit needs a lender that looks through the entity.
Trading history opens doors
Many full-doc lenders want two years of returns. Shorter ABN history can still work via alt-doc or specialist policy — fewer options, different pricing.
Deposit and LMI still apply
Self-employed status does not waive lenders mortgage insurance. Schemes, guarantors, and professional packages may help in some cases — always confirm eligibility.
Lender lanes we compare on your file
Policy moves — we check live criteria against your returns, BAS, and deposit before you go unconditional.
Often lines up
Full-doc purchase
Two years of personal and business returns plus NOAs — usually the widest lender panel and sharper pricing when records are current.
Case by case
Alt-doc / BAS pathways
When returns lag but BAS and bank credits show clean trading — useful for growing businesses, with tighter LVR and feature trade-offs.
Case by case
Company directors & trusts
Salary, distributions, and retained profits are treated differently by each lender. Presentation in the accountant letter matters.
Often lines up
First home as self-employed
FHBG and state concessions may still apply when you meet scheme rules — income evidence remains a separate lending hurdle.
Easy to trip on
ATO debt on statements
Visible tax debts or payment plans need early disclosure. Some lenders accept with conditions; hiding them is worse than declaring them.
Often lines up
Already own — refinancing?
If you already have a mortgage and want a lower rate or equity release, use the refinance landing — purchase and refinance evidence lanes differ.
Self-employed
Document checklist before you apply
BAS, tax returns, trust deeds, and liability lists — what Australian lenders typically ask self-employed borrowers to provide.
Guides & tools
General information only — your lane is confirmed when we review your file.
- Self-employed hubIncome playground, document library, and FAQs for business owners.Open →
- Self-employed service guideLong-form purchase pathways, FAQs, and how we work your file.Open →
- Documents checklist 2026Line-by-line pack for sole traders, companies, and trusts.Open →
- How income is assessedAdd-backs, averaging, and what assessors actually reconstruct.Open →
- Self-employed refinanceSwitching lenders when you already have a home loan.Open →
- Borrowing power calculatorIllustrative only — self-employed files need policy overlays.Open →
Bishnu Adhikari · ACR 538895, auth. under ACL 390261 · Yellow Brick Road · Melbourne & Australia-wide
Self-employed home loan — FAQ
Compliance-aware answers for Australian borrowers — not personal tax or credit advice.
Self-employed hub · Service guide · Refinance landing · Apply pathway
Buying soon on ABN or company income?
Send your structure, trading history, deposit range, and target suburb — we reply on business days with the evidence lane worth preparing first. No guaranteed approval.
Prefer the phone? 0400 77 77 55 — direct line to Bishnu Adhikari.
Important information
The information on this website is general in nature only. It does not take into account your objectives, financial situation, or needs, and you should consider whether it is appropriate for you before acting on it.
Credit assistance and lending are subject to lender assessment, terms, conditions, fees, charges, and eligibility criteria. A loan product that suits one borrower may not suit another.
You should consider obtaining independent legal, financial, and taxation advice before making decisions about credit or property.