Full-doc done right
Most self-employed clients can still go full-doc with the right lender - we know which banks accept the right add-backs and which ones don't.
← Loan Types
Self-employed lending, without the runaround.
If your tax returns do not show the full story, or your latest return is not ready yet, there may still be lender options. We help work out which lenders may consider your position and what evidence they will need.
Who this is built for.
- Sole traders and contractors
- Company directors taking dividends
- ABN holders trading less than 2 years
- Newly self-employed (prior PAYG history)
- Strong revenue but lumpy net profit
- Add-backs not being recognised by the bank
What we do
How we approach this work.
Alt-doc & low-doc options
When tax returns aren't going to cut it, we move to BAS, accountant's letters, or bank statements depending on the lender.
Trust & company structures
Family trusts, companies, hybrid structures - we work directly with your accountant on the application.
Pre-application work
We pre-screen lenders so your file only goes to a bank that may approve it based on your evidence and current policy, helping protect your credit file.
FAQs
Common questions.
How long do I need to be self-employed before I can borrow?+
Some lenders want 2 years of tax returns. Others will lend with 6 months of trading if you have prior PAYG experience in the same field. We'll match you to the right one.
Will I pay a higher interest rate?+
Not necessarily. Full-doc self-employed loans are usually the same pricing as any other borrower. Low-doc and alt-doc can sit slightly higher - we'll show you both options.
Next step
Let's chat about your next move.
No pressure, no jargon. We'll listen first, then map out the smartest way forward.