Best mortgage brokers for self-employed borrowers in Australia: five options compared for 2026

Aussie publishes a self-employedHome Loans / Start hereSelf-employed borrowersPrepare income evidence, business documents, and broker questions before a lender assesses the file.Open page home loan guide that says borrowers can show income through BASGuides / Self-employedSelf-employed home loan documentsPrepare business income evidence, tax records, BAS, statements and context before lender policy is checked.Open page , bank statements or an accountant's declaration, and that low doc and alt doc loans are offered by second-tier and non-bank lenders.

The same page says Aussie works with more than 25 lenders, that some lenders ask self-employedHome Loans / Start hereSelf-employed borrowersPrepare income evidence, business documents, and broker questions before a lender assesses the file.Open page borrowers for a 20% deposit and that low doc options sometimes come with higher rates or lower borrowing limits. Its homepage describes a network of more than 1,000 brokers and over 230 stores. Aussie's site shows Australian Credit Licence 246786, held by Lendi Group Distribution Pty Ltd.

Aussie may suit a borrower who wants to sit down with a broker in a store. Ask the local broker how many self-employedHome Loans / Start hereSelf-employed borrowersPrepare income evidence, business documents, and broker questions before a lender assesses the file.Open page files they handle and which alt-doc lenders they are accredited with.

Loan Market's low-doc home loans page sets out typical requirements in some detail, which helps a borrower prepare before the first meeting.

It says alt-doc lenders usually want ABN and GST registration active for a minimum of 6 to 12 months, and BASGuides / Self-employedSelf-employed home loan documentsPrepare business income evidence, tax records, BAS, statements and context before lender policy is checked.Open page covering the last 2 to 4 quarters. It also says major banks typically require a minimum of two years of self-employedHome Loans / Start hereSelf-employed borrowersPrepare income evidence, business documents, and broker questions before a lender assesses the file.Open page trading history, while several specialist and non-bank lenders offer low-doc solutions, and that low-doc borrowers typically need a deposit of at least 20%.

The same page says its brokers compare options across 100+ lenders, although other parts of Loan Market's site show different lender counts. Loan Market shows Australian Credit Licence 390222. Ask the individual broker which of those lenders they can use for an alt-doc application.

Mortgage Choice's and Lendi's self-employedHome Loans / Start hereSelf-employed borrowersPrepare income evidence, business documents, and broker questions before a lender assesses the file.Open page pages could not be read on 11 or 15 November 2026, so this comparison does not attribute any self-employed policy to either business. The facts below come from our 2 November 2026 broker comparison check.

Mortgage Choice said its brokers work with more than 35 lenders through a national franchise network owned by REA Group, and it publishes a customer charter and credit guide. Because each franchise is the practical unit of service, ask the local broker about their experience with self-employedHome Loans / Start hereSelf-employed borrowersPrepare income evidence, business documents, and broker questions before a lender assesses the file.Open page income and any office fee.

Lendi presents an online-first home-loan service supported by home loan specialists, and sits in the same corporate group as Aussie. A borrower with company or trust income should ask when a specialist becomes involved and whether the same person stays responsible through settlement.

Lenders and brokers cannot simply accept a stated income. ASIC's Regulatory Guide 209 says credit licensees must make reasonable inquiries about a consumer's financial situation and take reasonable steps to verify it (RG 209.43).

For self-employedHome Loans / Start hereSelf-employed borrowersPrepare income evidence, business documents, and broker questions before a lender assesses the file.Open page consumers, RG 209's income table lists sources such as recent income tax returnsGuides / Self-employedSelf-employed home loan documentsPrepare business income evidence, tax records, BAS, statements and context before lender policy is checked.Open page , Business Activity Statements, a statement from the consumer's accountant, financial statements for related business entities and business account statements. That is why an alt-doc loan still needs evidence, just a different set of it.

MoneySmart defines a low-doc loan as one that requires less financial documentation to prove income, assets and liabilities than a standard loan. In its March 2026 Financial Stability Review, the RBA noted that greater reliance on automated credit assessment has reduced documentation requirements and increased the supply of credit to some smaller businesses and self-employedHome Loans / Start hereSelf-employed borrowersPrepare income evidence, business documents, and broker questions before a lender assesses the file.Open page borrowers.

Self-employedHome Loans / Start hereSelf-employed borrowersPrepare income evidence, business documents, and broker questions before a lender assesses the file.Open page work is common. The ABS reported 2.3 million jobs, 9.9% of all jobs, worked by owner managers of unincorporated enterprises in 2022-23, released in November 2025. That count is of jobs, not people.