Borrowers who operate their own Australian company—whether as sole traders, company directors, or ABN-only contractors—often face unique challenges when applying for a mortgage. Mortgage Street recognises these complexities and provides a suite of solutions designed to support self-employed applicants through competitive, flexible loan products.
Benefits to Borrowers Running Their Own Company
Access to Tailored Products
Borrowers can qualify for Super Prime, Optimax, Tolerant , Progressive, Receptive, and Liberal —home loans suited to varying levels of documentation and financial structure.
Flexible Documentation Requirements
Business owners can provide alternatives such as BAS, accountant declarations, or business financials instead of traditional full-doc requirements.
Customised Loan Features
Offset accounts, interest-only options, redraw facilities, and flexible repayment terms are available to match business cash flow.
Support for Various Entity Types
Loan solutions accommodate borrowers operating under a Pty Ltd company, partnership, trust, or sole trader structure.
Competitive Rates
Lending criteria consider the broader financial picture, helping eligible borrowers access highly competitive rates.
Benefits to Mortgage Brokers Assisting Self-Employed Clients
Diversified Product Range – Brokers gain access to a full suite of specialised home loan products designed for self-employed clients.
Streamlined Scenario Assessments – Mortgage Street’s credit team understands complex income types and provides prompt scenario assessments.
Broker-Focused Support – Dedicated relationship managers assist brokers with documentation requirements, structuring advice, and real-time feedback.
Opportunities to Add Value – Helping business owners secure funding builds long-term trust and creates referrals within business networks.
Quick Turnaround Times – Efficient processing for both Alt Doc and full-doc applications ensures brokers can deliver on expectations.
Built for All Business Types
- Pty Ltd company owners
- Sole traders and partnerships
- ABN-only contractors
- Directors and shareholders with multiple entities
Partner with Mortgage Street Today
Help business owners access the right mortgage—without the roadblocks. 🔗 Submit a scenario or 📞 Get in touch with our team to discuss how Mortgage Street can support both brokers and clients through specialised lending solutions.
As Australia’s premier alternative lending solution, our mission is to empower our brokers to achieve their goals
Our goal at Mortgage Street is to provide you your customers with first-class service and innovative products to help you deliver solutions to your clients who don’t fit traditional lending criteria. But if your clients don’t qualify for a bank loan, Mortgage Street can always find alternatives. With 24 mortgage options available, we can help your customers find the right fit for their unique situation.
7 reasons why you should work with Mortgage Street
Mortgage Street is committed to providing a modern, efficient service to our clients. By distributing home loans through professional Australian mortgage brokers, we can offer a convenient and streamlined digital process that allows you to apply for a loan, submit documents, and track the progress of your application from the comfort of your own home.
Mortgage Street is committed to providing a modern, efficient service to our clients. By distributing home loans through professional Australian mortgage brokers, we can offer a convenient and streamlined digital process that allows you to apply for a loan, submit documents, and track the progress of your application from the comfort of your own home.
Mortgage Street is committed to providing a modern, efficient service to our clients. By distributing home loans through professional Australian mortgage brokers, we can offer a convenient and streamlined digital process that allows you to apply for a loan, submit documents, and track the progress of your application from the comfort of your own home.
A Mortgage Street accredited mortgage broker can help you to maximise your borrowing capacity by advising on the best loan structure and providing guidance on how to strengthen your application. This can be helpful if you have a complex financial situation or are self-employed.
If you are planning to purchase an investment property, a Mortgage Street accredited mortgage broker can help you understand the tax implications of negative gearing and advise on the best home loan options to suit your goals.
A Mortgage Street accredited Mortgage brokers have access to a wide range of lenders, including those that may consider larger loan amounts. This can be especially useful if you are looking to purchase a more expensive property or undertake extensive renovations.
Many lenders require mortgage insurance for home loans with a loan-to-value ratio (LVR) of over 80%. By working with a Mortgage Street accredited mortgage broker, you may access lenders that do not require mortgage insurance up to an LVR of 85%, saving you money on your loan.
To help you find what you’re looking for, we’ve grouped our lending criteria into key categories.
Turbo charge your application for faster turnaround times
Mortgage Street focuses on what you and your customer needs.Submit a scenario now and we’ll help you every step of the way
Helpful guides & forms
- MSt 001 Customer Information Collection
- MSt 002 Payroll Authority form
- MSt 003 Loan Scenario form
- MSt 007 Applicant details verification
- MSt 011 Lo-Doc Declaration Accountants Verification
- MSt 012 Full Partial Discharge Authority
- MSt 013 Rate Review Form
- MSt 014 Gift Declaration Form
- MSt 015 Direct Debit Request
- MSt 028 Buying Your First House
- MSt 063 Bespoke broker premium
- MSt 067 Everyday transaction account
- Loan Application Documentation Checklist
- MSt 134 Request for Hardship Assistance
Don’t let your unique situation hold you back, explore the all mortgage options offered by Mortgage Street.
Good Borrowers
Specialist loan
Relocation loan
Convenient calculators
FAQ
What documentation is required for self-employed borrowers applying for a home loan?
Self-employed borrowers typically need to provide:
- ABN registered for at least 2 years
- Personal and business tax returns for the last 2 years
- Business Activity Statements (BAS)
- Profit and Loss statements
- Bank statements
Can self-employed borrowers with less than 2 years of business activity qualify for a mortgage?
Yes, certain lenders consider applicants with 1–2 years of self-employment, especially if they have prior experience in the same industry. Alternative documentation and a strong credit history can support the application.
How do lenders assess income for self-employed applicants?
Lenders typically evaluate the average income over the past two years, considering fluctuations and trends. They may also add back certain non-cash expenses, such as depreciation, to assess serviceability. Consistency and growth in income are viewed favourably.
How can self-employed borrowers improve their chances of loan approval?
To enhance approval prospects:
- Maintain accurate and up-to-date financial records.
- Ensure all tax obligations are met and returns are lodged.
- Save for a larger deposit to reduce the loan-to-value ratio (LVR).
- Work with a mortgage broker experienced in self-employed lending.
What strategies can brokers employ to strengthen a self-employed client's application?
Strategies include:
- Ensuring all financial documents are complete and accurate.
- Presenting a clear narrative of the client's business performance.
- Demonstrating the client's ability to meet repayment obligations through cash flow analysis.
Broker Support
Monday to Friday 9am – 5pm (Sydney time)
Frequently Asked Mortgage Product Questions
Key points
+LVR stands for the loan-to-value ratio. LVR is the amount of your loan compared to the Bank’s valuation of your property offered to secure your loan expressed as a percentage. Home loan rates for new loans are set based on the initial LVR and won’t change during the life of the loan as the LVR changes.
*Comparison rate: The comparison rate is based on a loan of $150,000 over the term of 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
Loan applications, refinances and balloon amounts are subject to credit assessment.
Conditions, credit criteria, fees and charges apply. Based on Mortgage Street’s credit criteria, residential lending is not available for Non-Australian resident borrowers. Interest rates subject to change. Before making a decision, it’s best to read the terms and conditions.