✅ Low Doc & Alt Doc Specialists

Self Employed Home Loans
Get Approved Without Payslips

Australia’s banks make it hard for self-employed borrowers. We make it easy. Whether you’re a sole trader, tradie, ABN holder or company director — we have a home loan solution that works for your income structure.

📋 Get a Free Assessment → 📞 1300 432 961

Who We Help

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Tradies & Contractors

Builders, plumbers, electricians, carpenters. Get approved using bank statements and a BAS instead of payslips.

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Sole Traders & ABN Holders

Running your own business from 1 year? We have lenders who assess your income based on what you actually earn — not just what tax says.

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Company Directors

Drawing a salary from your own company? Many lenders don’t understand trust and company structures. We do.

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Consultants & Freelancers

Variable income, multiple clients? We can work with 12 months of bank statements to demonstrate your earning capacity.

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Property Investors

Self-employed property investors often struggle with traditional lenders. We access specialist and non-bank lenders who understand your situation.

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Refinancers

Stuck on a high-rate low doc loan? We can help you refinance to a lower rate — in some cases without any income documents at all.

What Documents Do You Actually Need?

Loan TypeWhat You NeedMax LVRBest For
Full Doc2 years tax returns + financials95%Self-employed 2+ years, clean financials
Low Doc (1 Year)1 year tax return or BAS80%Self-employed 12+ months
Alt DocBank statements (6-12 months) + accountant letter80%Strong cash flow, newer ABN
No Doc Refinance12 months clean repayment history only80%Refinancing existing loan, no docs at all
Asset LendingNil — just licence and Medicare card100%Asset finance, equipment, vehicles

Common Questions From Self-Employed Borrowers

Can I get a home loan if I’ve only been self-employed for 1 year?
Yes — there are specialist lenders who will consider your application with just 12 months ABN registration and GST registration. The rate may be slightly higher than a full doc loan, but you can refinance to a better rate once you have 2 years of financials.
Do I need to show my tax returns?
Not always. Alt doc loans can be approved using 6-12 months of business bank statements plus an accountant’s declaration of income. No doc refinancing is also available for existing borrowers with clean repayment history.
My tax return shows a low income due to deductions. Can I still borrow enough?
This is the most common challenge for self-employed borrowers. We work with lenders who understand that declared taxable income is often lower than actual cash income due to legitimate deductions. Addbacks, alt doc and bank statement lending can significantly increase your assessed income.
What interest rates do self-employed home loans charge?
Low doc and alt doc rates are typically 0.2%–0.8% higher than standard full doc rates. As of mid-2026, competitive low doc rates start from around 5.79%–6.49% p.a. depending on LVR, loan size and credit history. Rates from our No Doc Refinance product start from 5.69% p.a.
Can a tradie with irregular income get a home loan?
Absolutely. We work with tradies every day. Income is assessed using your most recent 2 years of tax returns averaged, or alternatively via bank statements under an alt doc policy. Being on ABN or having a mix of PAYG and ABN income is fine — lenders we use understand the construction and trades industry.
I was declined by my bank. Can Outlook Finance help?
Yes — the big four banks have the most restrictive lending policies for self-employed borrowers. We access 40+ lenders including specialist and non-bank lenders who specifically target self-employed borrowers. Being knocked back by one lender doesn’t mean you can’t get a loan.

Ready to Talk to a Self-Employed Specialist?

Free assessment. No impact on your credit score. Same-day response on weekdays.

📋 Start Your Free Assessment → 📞 1300 432 961

Outlook Finance Pty Ltd | ACL 418711 | ABN 73 132 561 874 | Level 2, 300 Chapel Road Bankstown NSW 2200 | This page provides general information only and does not constitute financial advice.