Self-Employed Home Loans in Australia

As a self-employed Australian, securing a home loan can feel complex due to unique income structures and lender requirements. At Mathew Wright Finance, we simplify the process for sole traders, partnerships, company directors, and trust beneficiaries. Our expert brokers navigate full-doc and low-doc loan options, connecting you with over 60 lenders to secure competitive rates and maximize approval chances—whether you’re buying your first home or growing your property portfolio.

Who We Help

Sole Traders: Using personal tax returns and business records.
Partnerships: Leveraging partnership returns and personal financials.
Companies & Directors: Utilizing company accounts and director returns.
Trusts/SMSFs: Working with trust financials and compliance documents.

We understand the nuances of self-employed income and match your business structure to lenders who value your financial profile.

Why Choose Mathew Wright Finance?

Extensive Lender Network: Access 60+ lenders, including major banks and specialists offering low-doc and full-doc loans tailored for self-employed borrowers.
Expert Guidance: We handle complex income scenarios, from fluctuating cash flows to intricate tax returns, presenting your financials to boost borrowing power.
Streamlined Process: We manage all paperwork, including tax returns, financial statements, BAS, and accountant letters, ensuring a stress-free application.
High Approval Rates: With a 95%+ approval rate, we secure fast approvals, even for businesses trading less than two years or with variable income.

Loan Options & Documentation

Full Documentation (Full-Doc Loans)

Ideal for established businesses, offering the lowest rates and highest borrowing power with traditional lenders.
Typical Requirements:

2 years personal and business tax returns + ATO Notices of Assessment
2 years financial statements i.e. Profit & Loss and balance sheets (accountant-signed)
3–6 months business and personal bank statements
ABN and business registration

Low Documentation or Alternative Documentation Loans (Low-Doc/Alt-Doc Loans)

Perfect for newer businesses or those with limited documentation, featuring offset accounts, redraws, and interest-only options.
Typical Requirements:

ABN (6–12 months) and GST registration (if applicable)
6–12 months BAS or business bank statements
Accountant’s declaration (if required)
Identification and property details

Key Lender Considerations

Trading History: Mainstream lenders prefer 2+ years ABN; specialists may accept 6–12 months.
Income Consistency: Lenders favor stable history or growing profits; volatile income may need careful presentation.
ATO Verification: Accurate, up-to-date tax lodgments and Notices of Assessment are critical.
LMI for High-LVR Loans: Deposits under 20% may require Lenders Mortgage Insurance, increasing costs.

How We Make It Happen

Free Assessment: Book a no-obligation consultation to review your financials and goals.
Lender Matching: We compare rates, fees, lender policy and features from major and specialist lenders to find your best fit.
Application Support: We prepare and submit your application, ensuring all documents meet lender standards while negotiating on your behalf.
Strategic Planning: For low-doc loans, we develop a plan to transition to cost-effective full-doc loans as your business grows.
Ongoing Support: From approval to settlement and beyond, we’re with you every step.

Tips to Boost Approval Chances

Organise Tax Affairs: Lodge taxes on time and retain ATO Notices of Assessment.
Use Professional Financials: Accountant-prepared statements enhance lender confidence.
Clarify Income: Distinguish recurring revenue from one-off income in your application.
Increase Your Deposit: A larger deposit reduces LMI and expands lender options.
Target Specialist Lenders: For newer ABNs, we connect you with lenders accepting BAS or bank statements.

Ready to Own Your Home?

Don’t let self-employment stand in the way of homeownership. At Mathew Wright Finance, we turn challenges into opportunities, securing a home loan that fits your unique needs. Book your free assessment today!

Book a quick chat here!