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Self Employed

Often self-employed borrowers find meeting the lending criteria for standard home loans difficult. Business cash-flows create income that fluctuates more significantly than other borrowers.

Business owners looking for home and business loans do have competitive loan options available to them.

For those not able to meet the assessment criteria for a full document loan, there is a range of home loans that have been developed specifically to address the differing needs of self-employed borrowers, including low document home loans.


Low Doc Home Loans

Low doc home loans for self employed borrowers can be used for residential, investment or business property purchases. Pricing and credit criteria vary significantly between lenders, so it’s important to understand the options available to you.

Many Australians enjoy the freedom of working for themselves, but being self-employed means time is of the essence, not to mention the challenge of keeping up with the paperwork of running your own business.

Many self-employed borrowers talk to a Better Mortgage broker over a lender because they want a wider range of home loan options. Talking to a Better Mortgage broker is like having your own personal finance expert to help you secure a competitive home loan with the right lender.

This means:

  • Simplified paperwork
  • A flexible application process
  • A competitive interest rate
  • Access to equity for your business/personal and investment finances

If you are self-employed and want to fund business growth or finance a new business initiative but have a fluctuating income then a Low Documentation (low doc) loan may be just what you are looking for. All you need is your ACN/ABN, last 12 months Business Activity Statements (BAS) and your latest account statement.