Self-Employed Home Loans
We specialise in Home Loans for Business Owners
Being your own boss has plenty of benefits—flexibility, control, and unlimited potential. But when it comes to securing a home loan, self-employed individuals often face unique challenges. Traditional lenders rely heavily on payslips and tax returns, making the process more complex for business owners, freelancers, and contractors.
Self-Employed Home Loan Specialists
Business Owners need more than just the standard mortgage broker. You need a Finance Broker with strong Commercial Banking & Mortgage Brokerage experience backed by strong relationships with Lenders. This Commercial Finance knowledge is crucial to achieving the best results for Business Owners as you require a holistic strategy that encompasses your financial position and what options or solutions are available to you.
Gavin Cacic
Credit & Operations
Gavin has spent 17 years with the Commonwealth Bank with over a decade spent managing commercial portolios across Perth and Sydney
Matt Spears 
Managing Director
Matt is an award-winning banker, broker and property investor who has worked in residential and commercial finance for over 18 years.
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The Best Loans with 100+ Lenders
Don't waste precious time with Banks or Mortgage Brokers who don't specialise in Self Employed Home Loans. With access to 100+ Lenders we can not only ensure a smooth process but also find you the best home loan for your situation.
How do Lenders assess Self-Employed Borrowers?
When applying for a Self-Employed Home Loan, lenders may be able to evaluate your ability to repay based on alternative verification methods. Some key factors they consider include:
- Income Stability – Bank statements and BAS can help prove your cash flow.
- Credit History – A strong credit score increases approval chances.
- Business Longevity – Some lenders prefer borrowers with at least 2 years of trading history.
- Deposit & Loan-to-Value Ratio (LVR) – The more deposit you provide, the stronger your application.
Why Choose Evoke Capital?
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Award-winning mortgage brokers servicing Australia-wide
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Combined 50+ years residential and commercial lending experience
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Deep commercial relationships with all major business banks banks
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Platnium bank status and access 100+ lenders with the best interest rates
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6-monthly interest rate reviews and annual strategy sessions.
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100% 5-Star Google Reviews
We are rated in the Top 1% of Mortgage Brokers in Australia
Self-Employed Home Loan Options
You have more options available to you than you think or may have been met with from traditional lenders. Here are just a few options that are available to you. But it is always best to have a free no-obligation call with our specialists to get a better understanding.
Low Doc Loans
One of the most popular financing solutions for self-employed borrowers is the Low Documentation (Low Doc) Loan.
Full Doc Loans
If you have complete financial records (tax returns, P&L statements), you may qualify for standard loans with lower interest rates.
Non-Bank & Private Bank Lenders
If traditional banks decline your application, non-bank lenders may provide customized solutions.
Restructuring
Depending on your current lending position, your home loan solution could be a case of applying a different strategy to your debt and working with your financial team on achieving the best outcome.
Asset Based Lending
Some lenders offer loans based primarily on your asset portfolio rather than taxable income.
Let's Talk
You have everything to gain by giving our finance broker team a quick call. We have a wealth of experience and information and are here to help you on your wealth journey. Our discovery calls are free with no obligation.
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Self Employed Home Loans FAQ
Can I get a home loan if I'm self-employed in Australia?
Yes, self-employed Australians can qualify for home loans, but the process differs from salaried applicants. Banks and lenders assess income using Business Activity Statements (BAS), bank statements, and accountant declarations instead of traditional payslips.
What are Low Doc Loans, and how does it work in Australia?
Low Doc Loans are a mortgage designed for business owners who don't have up-to-date tax returns or financial statements. Instead of full documentation, lenders accept alternative proof of income like BAS, bank deposits, and registered ABN history.
How much deposit do I need for a Low Doc Home Loan?
For most Low Doc Loans in Australia, lenders typically require a 15-20% deposit to offset risk. However, some specialist lenders may offer options with lower deposits if the borrower has strong financial credentials
Do I need tax returns to qualify for a Self-Employed Home Loan?
Not necessarily. Some lenders accept bank statements, BAS, and an accountant's declaration as proof of income instead. For Full Doc Loans, tax returns are required, but Low Doc Loans provide more flexibility
Are interest rates higher for self-employed borrowers?
Interest rates depend on loan type, risk assessment, and lender policies. Low Doc Loans typically have slightly higher interest rates than traditional home loans due to reduced documentation requirements.