Self-employed lending, answered.

The mortgages come from different sources and therefore have different rates and lending criteria. We aim to refinance all new mortgages to the lowest possible rate in Australia after 12 months of perfect repayments.

Our aim is a 48-hour turnaround to review your application prior to lodgement. Most applications are processed quickly with our streamlined low-doc approach.

We do not require tax returns for our low-doc refinancing loans, so no need to worry.

There are no hidden fees. Any minimal fees are listed in the credit quote for you to review before moving forward.

Our initial check is a soft enquiry only. This does not affect your credit score as per the Equifax website.

Absolutely. We understand business income fluctuates. Our lenders look beyond traditional metrics, focusing on your overall financial health and potential rather than rigid paperwork.

Minimal documentation. For refinancing, we typically only require 6-12 months mortgage statements, your rates notice, and a credit score above 600.

Low-doc loans are designed for self-employed borrowers, sole traders, company owners, contractors, and anyone who cannot prove their income with payslips and tax returns.

We offer self-employed low-doc loans from 5.97%*. Your final rate depends on your credit history, loan size, property type, and lender choice.

Yes. We have specialist lenders who can help even if your credit file has defaults, arrears, or past Part IX agreements.

Yes. We handle commercial property buyouts, development funding, and freehold industrial/warehouse acquisitions from $300,000.

A mortgage prisoner is trapped in an uncompetitive legacy rate after cash rate shocks. We use non-bank lenders with modified serviceability buffers to unlock refinancing options.

Lease-Doc uses commercial lease income to service the loan. It is a popular option for commercial property investors and self-employed borrowers with strong rental cash flow.