Home Loan Mortgages for Self Employed
Self employed home loan requirements aren't that always that much different from a regular application. In general, you will need to meet regular lending guidelines, and supply sufficient financials on top: usually, BAS statements, tax returns, NOA's (Notice of Assessments) and sometimes a letter from the accountant.
Self Employed Home Loan Requirements are based on how long you've had a registered ABN.
Most lenders require you to be self employed for 2 years or more, with 2 years tax returns. Low doc loans are available with some lenders with 1 year's registered ABN and a full year's tax return. There are also alternative lenders that will often lend even if you've only started your business yesterday - details are further down the page.
Unsure how a Mortgage Broker can help you? Look at our Mortgage Broker Brisbane page.
LVR Requirements for a self employed home loan based on length of employment: |
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Less than 3 months self employed: 70% LVR max. |
3 months - 12 months self employed: 80% LVR max. |
12 months - 24 months self employed: 90% LVR max. |
24 months or more self employed: 95% LVR max. |
0% deposit when using a guarantor. |
Document requirements for a self employed mortgage: |
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All applications: Sufficient identification, liability statements |
Less than 3 months self employed: Previous PAYG payslips (same industry) OR an Accountant prepared business plan. |
3 months - 12 months self employed: 3 months business and personal bank statements. |
12 months - 24 months self employed: 3 months bank statements OR Accountant and self declaration. |
24 months or more self employed: 2 years' tax returns and NOA's OR last 4 BAS statements for Low Doc Loans. |
Enquiry Form

Specific self employed home loan requirements based on time-in-employment:
FAQ about our self employed home loan requirements:
Why do the requirements differ so much?
Each of the different requirements and LVR bands listed above are with different lenders. Finding one lender that is willing to do everything is difficult and often not the best option.
Which lenders provide these mortgages?
The list of lenders ranges greatly. Out of approx. 35 lenders, only 1 will do a loan when self employed for less than 3 months, and only 3 will do under 12 months. Once you get over 12 months, your options open up a little, and most lenders will do a full doc loan when you have 2 full years' tax returns. Please contact us about your situation.
Do you charge for your service?
No. The lender pays us a commission for a successful application so you needn't pay us anything.
Can you do after-hours appointments?
Yes! After-hours and weekend appointments are welcomed, although your finance application will generally only be processed on week days.
Do you only service Brisbane?
We can do self employed home loans all over Australia, often over the phone. Our Mortgage Broker is however based in North Brisbane, and as such can service all surrounding areas in person: Albion – Alderley – Ascot – Aspley – Bald Hills – Banyo – Boondall – Bracken Ridge – Bridgeman Downs – Brighton – Brisbane Airport – Carseldine – Chermside – Chermside West – Clayfield – Deagon – Eagle Farm – Everton Park – Fitzgibbon – Gaythorne – Geebung – Gordon Park – Grange – Hamilton – Hendra – Kalinga– Kedron – Keperra – Lutwyche – McDowall – Mitchelton – Myrtletown – Newmarket – Northgate – Nudgee – Nudgee Beach – Nundah – Pinkenba – Sandgate – Shorncliffe – Stafford – Stafford Heights – Taigum – Virginia – Wavell Heights – Wilston – Windsor – Wooloowin – Zillmere.
Will a credit check be required?
We can pre-asses your application without a credit check, however the lender will be required to do one upon application.