Services — Self Employed

There is a solution for everyone building something.

Banks make it complicated for self-employed borrowers. We know which lenders actually want your business — and how to present your income in the best possible light to get the outcome you deserve.

Low doc options
Alt income evidence
ABN lenders
Business owners
Services — Self Employed

Get started today

Fill in your details and we'll be in touch to discuss your options.

What's included
  • Low doc options
  • Alt income evidence
  • ABN lenders
  • Business owners
Key things to know
We know which lenders work for youNot all lenders assess self-employed income the same way. Some are significantly more flexible than others. We know exactly which lenders suit your income type, ABN age, and industry — and apply there first.
Low doc loan optionsIf you don't have two years of full tax returns, low doc loans use alternative income evidence — BAS statements, accountant letters, or bank statements. We know which products work best for your situation.
Maximising your borrowing capacityMany lenders add back legitimate business expenses when assessing self-employed income — which can significantly increase your borrowing capacity. We know which lenders are most generous with this.

Make an enquiry

Fill in your details and we'll be in touch to discuss your options.

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What we do for you

Self employed means smarter,
not harder

01

We know which lenders work for you

Not all lenders assess self-employed income the same way. Some are significantly more flexible than others. We know exactly which lenders suit your income type, ABN age, and industry — and apply there first.

02

Low doc loan options

If you don't have two years of full tax returns, low doc loans use alternative income evidence — BAS statements, accountant letters, or bank statements. We know which products work best for your situation.

03

Maximising your borrowing capacity

Many lenders add back legitimate business expenses when assessing self-employed income — which can significantly increase your borrowing capacity. We know which lenders are most generous with this.

04

Less than 2 years ABN? Options exist

Some lenders will work with ABNs as young as 6–12 months depending on your industry and income. We'll tell you honestly what's possible and what isn't.

05

Company or trust structures handled

Whether you operate as a sole trader, through a company, or via a trust — we understand the nuances of each structure and how lenders assess them differently.

06

No tax return? No problem for some lenders

Some non-bank lenders offer genuine no-doc options using business bank statements or a signed income declaration. We'll match you to the right lender for your documentation situation.

How it works

Simple steps,
real results

01

Tell us your situation

Fill in the form or give us a call. No paperwork yet — just a quick chat about where you're at and what you're trying to achieve.

02

We find your options

We compare 30+ lenders and come back with the best options for your situation — not just the best commission for us.

03

We handle everything

Once you're happy we submit your application and manage the entire process — documents, lender communication, everything.

04

You get the result

We stay in touch after the deal is done to make sure everything keeps working hard for you.

Common questions

Self Employed & Low Doc FAQs

How long do I need to be self-employed to get a home loan?
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Most major lenders want 2 years of self-employment history and tax returns. However, some lenders will consider applications with as little as 6–12 months of ABN history depending on your industry, income, and overall application strength.
What documents do I need as a self-employed borrower?
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My income varies year to year — will this be a problem?
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Can I use my business income and a salary together?
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Ready to get started?

No pressure, no obligation. Give us a call or fill in the form above and we'll walk you through your options.

0403 172 610 info@kickfinance.com.au Book a call
Self Employed Home Loans & Low Doc Loans Sydney | Kick Finance