Self-Employed Loans, Made Clear.
Looking for an alt-doc home loan or investment loan? We’re experts in self-employed and complex income lending—matching you to the right lender policy and managing the process end-to-end.
How does an Alt-Doc loan work?
Modern Alt-Doc lending lets eligible self-employed borrowers show income using current trading rather than two full years of tax returns. The exact method depends on your business and lender policy, but common options include:
BAS (2–4 quarters): demonstrates turnover and trading consistency
Business bank statements (usually 6 months): supports income and cashflow
Accountant letter: confirms business details and income position (where accepted)
This is still a standard home loan process—application, verification, valuation, and credit assessment—just with different income evidence.
Why this is better: it’s clearer, faster to evidence, and closer to how a business actually operates day-to-day.
Self Employed? Use Cashflow, Not Tax Returns.
If you’re self-employed, your tax returns often don’t tell the full story—especially when you’re reinvesting, claiming legitimate expenses, or smoothing income year to year.
Alt-Doc lending can use BAS, bank statements, and accountant evidence to present a clearer view of how the business is performing now—so you’re not forced into a “wait two years” outcome when you’re ready to buy.
Are you ready to grow your property portfolio?
Get a clear next step in less than 2 minutes—take the assessment, or book a call to see how we can help.
Get your property journey started.
Buyers Guide: A straightforward resource to help you navigate your next purchase.
Buying a property involves several moving parts, so we've put together a clear guide to help you understand the process from start to finish. It’s designed to give you the information you need to move forward with confidence, whether you’re looking for your first home or your next investment.
