Self-Employed Borrowers
See your business the way a lender will, before you apply. Your Self-Employed Blueprint and broker match your tax returns, BAS or bank statements to the lenders that read your income best.
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Self-Employed
Paid through a business? Access to a panel of 75+ lenders helps match how you really earn.
Self-employed home loans, from your tax return to settlement
Whether you’re a sole trader, a contractor or run a company or trust, your broker matches how you earn to the lenders that assess it best.
Sole traders and contractors
Most lenders average your last two years of income. Some use your latest year when it’s higher, or BAS when it’s more current. Your broker finds them.
Newer businesses
Many lenders want two years of trading, some accept one, and a few accept less with industry experience. Your broker matches your history to the lenders that will.
Company directors
Your company wage is only part of it. Some lenders also count retained profits and dividends. Your broker shows them the whole picture, with your accountant’s figures.
Trusts and structures
Income through a trust, a company and your own name is assessed differently by each lender. Your broker matches your structure to the lender whose policy reads it best.
Low doc options
No recent tax returns? Low doc lenders may accept BAS, business bank statements or an accountant’s declaration, usually at a lower loan size or higher rate.
After a big year
Lodged returns can lift what you can borrow, or move a low doc loan to a full doc rate. Brokr Bettr Loan Care checks in every six months to catch it.
Better to know
Lenders read your most recently lodged tax return. If this year was stronger than last, lodging early can lift what you can borrow, and if it was weaker, the timing matters just as much. Your broker plans your application around your lodgement dates.
Frequently asked questions
What documents do I need for a self-employed home loan?
Usually two years of personal and business tax returns with the ATO notices of assessment, plus recent BAS and business bank statements. It depends on your structure and the lender, and your broker gives you a checklist for yours.
Can I get a home loan with one year of tax returns?
Often, yes. Some lenders accept one year of returns, especially if you worked in the same industry before. Others will use BAS or bank statements instead. Your broker matches your history to the lenders that will look at it.
What is a low doc home loan?
A loan assessed on BAS, business bank statements or an accountant’s declaration instead of recent tax returns. It usually comes with a lower maximum loan and a higher rate, so your broker compares it with a full doc loan first.
Do tax debts affect a self-employed home loan?
Lenders ask about ATO debts when they assess you, and from 1 July 2025 the interest the ATO charges on overdue tax is no longer tax deductible. Know where you stand, and have any payment plan in place, before you apply.
How is a broker paid on a self-employed loan?
Lenders pay us a commission when your loan settles, and usually an ongoing commission after that, and the rates differ between lenders, low doc included. We tell you what we’ll be paid before we recommend anything.