Question 1

Do you charge a fee for self-employed home loans?

Accepted Answer

For most residential loans, there's no direct fee to you. We're typically paid by the lender if your loan settles. Some scenarios may involve a fee — we'll always explain this upfront.

Question 2

How many lenders do you have access to?

Accepted Answer

We can compare options across 40+ lenders, including major banks and specialist non-bank lenders who understand self-employed income.

Question 3

Can I get a home loan if I'm self-employed?

Accepted Answer

Yes. Many lenders have options for self-employed borrowers, including low doc and alt doc pathways using BAS statements, bank statements, or accountant declarations instead of full tax returns.

Question 4

What is a low doc home loan?

Accepted Answer

A low doc (low documentation) home loan allows self-employed borrowers to verify income using alternative documents such as BAS statements, bank statements, or an accountant's letter, rather than full tax returns.

Question 5

How long does home loan approval take for self-employed borrowers?

Accepted Answer

Typically 5–10 business days from submission to approval, depending on the lender and documentation. We prepare everything upfront to avoid delays.

Question 6

What deposit do I need as a self-employed borrower?

Accepted Answer

Low doc loans typically require a 20% deposit. Full doc options may allow 10% or less. First home buyers may also access government schemes to reduce deposit requirements.

Self-Employed Borrowing Capacity Calculator

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