Home Loans for the Self-Employed: Get the Right Loan, Even with Complex Income

Securing a home loan can be challenging when you're self-employed. Unlike traditional employees, business owners and freelancers often deal with irregular income, complex financials, and paperwork that doesn’t always meet standard bank requirements. At WizWealth, we specialise in helping self-employed Australians access competitive home loan solutions—even if you've been told "no" before.

If you're looking for self employed home loan, low doc home loans, or you're a first home buyer wanting to borrow 100%, you're in the right place.

Self Employed Home Loans: What You Need to Know

Being self-employed shouldn't stop you from buying a home. However, banks and lenders often see variable income as a higher risk. To qualify, you’ll need to show a stable income over time, even if you don’t have payslips like a typical employee.

At WizWealth, we understand the unique challenges faced by small business owners, contractors, freelancers, and sole traders. Our role is to match you with lenders who are comfortable assessing alternative income documents and offering flexible terms.

What Is a Low Doc Home Loan?

A low doc home loan is designed specifically for self-employed individuals who may not have access to traditional proof of income like payslips or standard financial statements. Instead, you can provide alternative documentation such as bank statements, BAS (Business Activity Statements), or a letter from your accountant.

Low doc loans are a practical solution if you have a solid income but haven't done your tax returns yet or want to keep your income structure flexible.

Can Self-Employed Borrowers Access 100% Home Loans?

If you're a first home buyer and self-employed, you may wonder whether it's possible to borrow 100% of your property purchase price. While most lenders require a deposit, some specialist lenders may offer 100% home loans with the support of a guarantor or additional security.

At WizWealth, we help self-employed first home buyers explore these options. We assess your situation holistically—not just your income on paper—so we can find a way forward, even when major banks say no.

Why Choose a Mortgage Broker for Self Employed Loans?

Finding the right home loan as a self-employed borrower can be time-consuming and frustrating. That’s why it pays to work with one of the best mortgage brokers for self-employed borrowers—like the team at WizWealth.

We have access to a wide network of specialist lenders who understand self-employment income and offer flexible options, including low doc loans, no-doc loans, and custom lending assessments. We’ll help you navigate lender requirements, complete your application, and increase your chances of approval.

What You’ll Need to Apply for a Self Employed Loan

To get started, you’ll usually need at least 6 to 12 months of ABN history and basic financial documentation. Even if your tax returns are not yet lodged or your income varies month to month, we can help you find a lender that considers your full financial picture.

We work with both PAYG/self-employed hybrids and full-time business owners. Whether you’re a sole trader or run a company, we’ll tailor a loan solution that works for you.

Why Choose WizWealth?

WizWealth is an experienced mortgage and finance broker specialising in self-employed home loans. We don’t rely on cookie-cutter solutions—instead, we customise every application to suit your business, income, and goals. Our team is committed to helping you secure the right loan with competitive rates and low stress.

Take the First Step Toward Home Ownership

If you're self-employed and ready to buy your first home—or refinance your current loan—speak to the team at WizWealth today. Whether you're after a low doc home loan, looking to borrow 100% as a first home buyer, or simply want expert help navigating the process, we’re here to support you from start to finish.