Self-Employed? We Get You Approved.
Banks often say no to self-employed borrowers. We specialise in finding lenders who understand your income — from sole traders and contractors to company directors and freelancers.
Get Your Free AssessmentABN Holders & Sole Traders
Trading under your own ABN? We know which lenders accept 1–2 years of financials, BAS statements, or even just 6 months of bank statements.
Low Doc Home Loans
Don't have traditional payslips or tax returns? Low doc loans let you self-declare income with alternative verification — accountant's letter, BAS, or bank statements.
Full Doc Self-Employed
If you have 2+ years of tax returns and financials, you may qualify for the same rates as PAYG borrowers. We match you with lenders who reward good record-keeping.
Alt Doc & Bank Statement Loans
Some lenders assess your income from 3–6 months of business bank statements alone. Perfect for businesses with strong cash flow but complex tax structures.
Company & Trust Structures
Trading through a company or family trust? We understand how lenders assess income from these structures — including add-backs, depreciation, and director salaries.
New ABN (Under 2 Years)
Just started your business? Some lenders accept borrowers with as little as 6 months ABN history if you were previously employed in the same industry.
Contractors & Sub-Contractors
Contractors often earn more than employees but get treated worse by banks. We use specialist lenders who assess contract income at its true value.
Investment & Refinancing
Already own a home? Self-employed refinancing or investment lending is our specialty. Build your portfolio even when the banks make it difficult.
Why Choose MoneyLease?
- Over 2 million Australians are self-employed — we specialise in getting them approved
- Access to 50+ lenders including specialist non-bank lenders for self-employed
- Low doc, alt doc, and bank statement loan options for every situation
- We understand add-backs: depreciation, one-off expenses, and tax minimisation strategies
- Competitive rates — often comparable to standard PAYG home loan rates
- Pre-approval available so you can bid and buy with confidence
- Tradies, contractors, freelancers, gig workers, company directors — all welcome
- Free assessment — we'll tell you exactly where you stand before applying
The banks see your tax return and say no. We see a successful business owner who deserves a home. With 50+ lenders on our panel, we find the one that says yes.
Ready to Get Started?
Apply online in minutes or chat with Chris to find the right solution for your needs.