SELF-EMPLOYED HOME LOANS
A home loan that understands how you earn.
Sole trader, director, contractor or freelancer — there's more than one way to prove your income, and choosing the right one is most of the battle.
SIX QUICK QUESTIONS
Check your self-employed options.
No credit check, no obligation.
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DOCUMENTATION OPTIONS
Pick the evidence. We'll pick the lender.
Full-doc
2 years of personal & business returns + notices of assessment
"Widest choice of lenders and the sharpest pricing."
Alt-doc (1 year)
Most recent year's return
"Good middle ground when last year tells the true story."
Alt-doc (BAS)
6–12 months of BAS
"Uses turnover to evidence income when returns lag reality."
Alt-doc (bank statements)
3–6 months of business bank statements
"Shows real cash flow, assessed by specialist lenders."
Accountant's letter
Income declared by your accountant
"Accepted by some lenders in defined situations."
Availability depends on lender criteria and your circumstances — 'low doc' never means 'no checks'.
WHO THIS IS FOR
Built for.
- Sole traders
- Company directors
- Contractors
- Freelancers
- Partnerships
- Trusts
WHAT LENDERS LOOK AT
The five things that decide it.
Time trading
Two years is the classic bar; under that, options narrow but exist.
Income evidence
Which documents, how recent, how consistent.
Deposit and equity
More equity forgives more paperwork.
Credit conduct
Clean statements and no dishonours carry real weight.
The story
A one-off dip with a reason reads very differently from a trend. We make sure it's told.
FAQ