Can I get a home loan if I am self-employed?

Yes. Brampton Finance works with a wide range of lenders offering low-doc and alt-doc home loans designed for self-employed borrowers.

What documents do I need for a self-employed loan?

Depending on the lender, you may need BAS statements, business bank statements, or an accountant's declaration instead of standard PAYG payslips.

Do self-employed loans have higher interest rates?

Some self-employed loans may have higher rates due to perceived risk, but Brampton Finance compares multiple lenders to find the most competitive option for your situation.

Self-Employed Home Loan Solutions

Empowering self-employed individuals across Australia with flexible, low-doc home loans.

Why Brampton Finance?

Specialist in Self-Employed Lending
Brampton Finance offers low-doc and alt-doc loans tailored for sole traders, contractors, company directors, and freelancers—perfect when traditional documentation isn’t an option.
Wide Lender Access
We compare loans across 40+ lenders—including major banks, non-bank, and private funders—to find the best match for your circumstances.
National Reach, Local Service
Based in Sydney and operating nationally, we deliver a streamlined, digital-first experience—phone, Zoom, or email.

Understanding Self-Employed Home Loans

What They Are

Low-Doc and Alt-Doc Loans: Designed for borrowers without standard income proof—relying on alternative documents like BAS statements, business bank statements, or accountant’s declarations.

Why They’re Different

Stricter income verification: Lenders may ask for longer financial records—even full-tax returns, profit and loss statements, and business documents.
Potentially higher costs: Because self-employed borrowers are seen as higher risk, these loans may come with higher rates or deposit requirements. A 20% deposit may be needed to reduce LVR.

Who May Qualify

Businesses trading for 2+ years have access to a broader lender panel.
Newer self-employed applicants (1–2 years or less) can still qualify with strong supplementary documentation and/or previous industry experience.
What may be accepted: recent BAS, accountant letters, 3–12 months of business bank statements, and even PAYG evidence if previously employed.

Our Process for Self-Employed Borrowers

Document Review & Assessment
We analyze your business structure, income records, and documentation to recommend the most suitable lenders.
Lender Matching & Application
Using a panel that includes flexible low-doc lenders, we prepare and submit applications that reflect your specific financial profile.
Transparent Guidance & Support
We walk you through deposit requirements, known fees, interest implications, and timeframes—ensuring you're informed every step of the way.
From Pre-Approval to Settlement
Enjoy smooth, responsive service—whether you're borrowing for a principal residence, investment, or refinancing.

Ready to Get Started?

Let Brampton Finance help you achieve your home loan goals—even as a self-employed borrower.

Fast & Flexible: Navigate the process with digital tools or in-person support.
Australia-wide Coverage: From Sydney’s Eastern Suburbs to every state and territory.

Founded in 2006 with a proven track record, we’re here to find the lending solution that works for you—not the lender.