Low-doc & self-employed
Low Doc & Self-Employed Home Loans in Sydney – lenders who read your income properly.
Running your own business shouldn't lock you out of a decent home loan. Sole trader, contractor or company director — we work with lenders who accept alternative income verification and assess business income on its merits, not against a payslip template.
How we help
Specialist lending, three ways.
Who we help.
- Self-employed business owners
- Contractors and consultants
- Freelancers and gig workers
- Commission-based employees
- Seasonal workers
- Recent business start-ups
- Multiple income sources
- Non-resident borrowers
Alternative documentation.
BAS statements
Business Activity Statements for the last 12–24 months.
Bank statements
Personal and business bank statements showing income deposits.
Accountant declaration
A letter from a qualified accountant confirming income.
ABN registration
Proof of business registration and GST status.
Why borrowers come to us for low-doc.
Streamlined process
Reduced documentation requirements and faster assessment with lenders who know how to read a business.
Specialist pricing
We compare specialist lenders who price self-employed borrowers fairly, rather than defaulting to whoever your bank suggests.
Plenty of our self-employed clients buy close to our own patch — the Greystanes property market report and Granville suburb report show what's selling across the area.
Popular services
Also worth a look.
No obligation
See your low-doc options.
Common questions
Low-doc & self-employed FAQs.
What documents can verify income?
Common alternatives include BAS statements, bank statements, and accountant declarations. Requirements vary by lender.
Are rates higher for low-doc loans?
Pricing reflects risk and documentation level. We compare specialist lenders to find competitive options.
Can I refinance to a full-doc loan later?
Yes, once financials support full-doc assessment, refinancing may reduce costs. Suitability depends on your situation.
Take the next step
Twenty minutes. Straight answers.
Book a free call and walk away knowing your borrowing power, your options, and whether your current loan still stacks up — whatever you decide to do next.