Self-Employed & Low-Doc Loans in Perth
If you run your own business, freelance, or contract, getting a home loan usually looks different from a standard PAYG application. Banks want to see proof that your income is stable, and self-employed applicants often can't tick the box with a couple of payslips. Brokers in this category specialise in structuring applications for sole traders, company directors, partnerships, and contractors, using tools like full-doc submissions with two years of tax returns, or low-doc/alt-doc loans that rely on BAS statements, accountant declarations, or business bank statements instead.
We've listed 115 brokers across Perth who work in this space, from CBD firms handling complex trust and company structures to suburban brokers who mostly deal with tradies and small business owners. Not all of them have the same depth of experience here, so it pays to check track record before you commit.
What to look for
- Real experience placing self-employed loans with lenders who actually understand ABN income, not just the big four banks
- Clear, upfront explanation of what documents you'll need and why (tax returns, BAS, accountant letters, business financials)
- Honesty about rate and LVR trade-offs on low-doc products versus full-doc
- A process for handling irregular income, recent business changes, or multiple income streams without treating your file as "too hard"
Our ranked guide to Perth mortgage brokers scores firms on responsiveness, lender panel breadth, and how well they handle non-standard applications like these. The full method is explained on our methodology page, so you can see exactly how the rankings are built before you pick up the phone.
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All self-employed & low-doc loans, ranked by score and relevance
115 businesses. The order weighs each business's overall score by how much of its reviewed work is self-employed & low-doc loans, so a lower-scored specialist can rank above a higher-scored generalist. Filter and sort below, or open the full map view.
When you submit an enquiry through our forms, it may be shared with partner providers who can do the work, and we may receive a referral fee. Our rankings and scores come from our published method only, separate from any referral fees.
Common questions about self-employed & low-doc loans
- Does a low-doc loan cost more than a standard home loan?
- Often yes. Low-doc and alt-doc products typically carry a slightly higher interest rate than full-doc loans, and some lenders cap the loan-to-value ratio lower (say 60-80% instead of 90%+), which can mean a bigger deposit or lenders mortgage insurance.
- How often do self-employed borrowers actually need a specialist broker?
- Most self-employed applicants benefit from one, especially if income has changed year to year, you're newer to business (under two years of returns), or your structure involves a trust or company. A broker who knows which lenders accept BAS or accountant declarations can save months of rejected applications.
- What documents should I expect to provide?
- Typically two years of personal and business tax returns and notices of assessment, recent BAS statements, business bank statements, and sometimes an accountant's letter confirming income. Low-doc options may reduce this list but usually ask for 6-12 months of business trading statements instead.
- How do I judge whether a broker is actually good at this, not just claiming to be?
- Ask how many self-employed clients they've settled in the last 12 months, which lenders on their panel accept alt-doc applications, and whether they can name specific scenarios similar to yours (e.g. sole trader with one year of returns, or a company director with fluctuating profit).
Guides to choosing self-employed & low-doc loans
- Self-employed and declined for a home loan? What lenders want to see
Why self-employed home loan applications get declined more often than PAYG ones, and the documents and preparation that actually change the outcome.