Self-Employed Home Loans Perth
Banks often make life hard for business owners. We know exactly which lenders accept 12 months of BAS, 1 year of financials, or accountant's letters — and get you approved fast.
Alt-doc options
Use BAS, bank statements or accountant declarations — not just tax returns.
Sole trader or company
Whether you trade personally, through a trust or company, we find the fit.
Short trading history OK
Some lenders accept 12 months ABN — not the usual 2 years of financials.
What documents do I need?
It depends on the lender, but typically: 2 years of tax returns and financials, OR 12 months of BAS, OR 6 months of business bank statements, OR an accountant's letter. We match your documents to the right lender.
How lenders calculate your income
Most lenders "add back" non-cash deductions like depreciation to your taxable income — meaning you can often borrow more than you think. We know each lender's add-back policy.
New to self-employment?
A handful of lenders will consider you with just 12 months of ABN history if you've been in the same industry before. We know exactly who.
FAQs
Can I get a home loan with just 1 year of tax returns?
Yes — several lenders accept one year of financials, and alt-doc options work off BAS or bank statements.
Do self-employed pay higher rates?
Full-doc self-employed loans are typically priced the same as standard loans. Alt-doc and low-doc rates can be higher because the lender takes on more risk. We'll explain the trade-off for your circumstances.
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