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Self-Employed Home Loans

Self-Employed Home Loans Sydney

Being self-employed should not stop you from getting a great home loan. We specialise in helping self-employed borrowers access competitive finance and we know how to present your application to maximise approval.
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Call 0414 406 887
Self-Employed Lending

Self-Employed Does Not Mean Unfinanceable

Self-employed borrowers often face more scrutiny than salaried applicants. Lenders cannot simply look at a payslip so they dig deeper into your financials. This can feel overwhelming, especially if you have already been knocked back by a bank.
At Bang On Investments, we specialise in self-employed home loans. We understand the difference between low doc, full doc and alt doc lending and we know which lenders are most flexible for different income structures. Whether you are a sole trader, company director, contractor or run a trust, we have helped borrowers in your situation before.
Under the ATO’s definition, you are self-employed if you operate as a sole trader, in a partnership, or as a director of your own company. Lenders treat each structure differently. Sole traders typically need to show two years of personal tax returns, while company directors may need to demonstrate their business income separately. We understand these distinctions and know which lenders assess each structure most favourably.
We work with self-employed clients across Sydney including Chatswood, Strathfield, Burwood, Concord, North Sydney, Bowral and the Southern Highlands.
Call 0414 406 887
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Self Employed Home Loans

“Bang helped us come up with the best solution for us. Bang is always there with the knowledge to help and guide us through the process.”

Chris W

Loan Types

Self-Employed Loan Options We Work With

Full Doc Loans
If your business has been operating for two or more years and you have current tax returns and financial statements, a full doc loan typically offers the best rates. We help you present these documents in the strongest possible way. Many self-employed clients qualify for better terms than they expect.
Find out if you qualify. Call 0414 406 887 ➜
Low Doc Loans
For borrowers who cannot provide standard income documentation, low doc loans use alternative evidence including 12 months BAS statements, an accountant’s letter or business bank statements. We work with lenders who offer competitive low doc products for self-employed borrowers.
Want to know if low doc suits you? Call 0414 406 887 ➜
Alt Doc and Specialist Lending
For borrowers with complex income structures such as multiple companies, trusts or fluctuating income, specialist and non-bank lenders can offer more flexible assessment criteria. We know which lenders work best for complex self-employed situations.
Complex income situation? Call 0414 406 887 ➜
Call 0414 406 887
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“Bang and the team were so fantastic to work with. Their professionalism made for a fantastic process and we felt supported every step of the way.”

Xanthe L

Our Process

How We Help Self-Employed Borrowers Get Approved

  • We review your financials and identify the strongest way to present your income.
  • We match you to lenders who are most likely to approve your application, not just the ones you have already tried.
  • We prepare your application thoroughly so lenders see you in the best possible light.
  • We manage the process from assessment to settlement, keeping you updated throughout.
Call 0414 406 887
Self Employed Mortgage
Got Questions?

Self-Employed Home Loan FAQs

Most full doc lenders require two years of self-employment history. However, some low doc and specialist lenders will consider borrowers with as little as 12 months of trading history, provided you can show consistent income and a registered ABN. We will assess your situation and identify the right lender for you.

For full doc loans: two years of tax returns and financial statements. For low doc loans: 12 months BAS statements, an accountant’s letter or three to six months of business bank statements. We will tell you exactly what is needed for your situation upfront.

Yes. Lenders assess self-employed income differently. Some average your income over two years, others use the most recent year. We know which approach suits your income pattern and which lenders are most likely to give you the best outcome.

Absolutely. Self-employed borrowers can access investment loans on similar terms to employed borrowers. It is about how you structure and present the application. We have helped many self-employed clients across Sydney build investment portfolios.

Low doc loans can sometimes carry slightly higher rates than full doc products, but this is not always the case as the market has become more competitive. We will show you the full picture so you can make an informed decision. If you are in a position to refinance to a full doc product later, we can help with that too.

Call 0414 406 887
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Let's Find You a Home Loan That Works

Being self-employed should not mean settling for second best. Get in touch for a free, no-obligation assessment. We will review your situation and give you a clear picture of what is possible.

Call us on 0414 406 887

Get in Touch
Call 0414 406 887
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