Self-Employed Home Loans — Melbourne

At Mocha Finance, we specialise in finding lending solutions for self-employed borrowers — including options that mainstream banks may not offer.

Self-Employed Lending Options

Full-Doc Loans (Standard)

If you have up-to-date tax returns and financial statements (typically 2 years), you may qualify for standard home loan products at competitive rates. Some lenders even accept 1 year of financials.

Low-Doc Loans

If your tax returns don't fully reflect your income (common for growing businesses), low-doc loans offer alternatives. These may accept:

• BAS statements (usually last 6-12 months)
• Accountant declarations or letters
• Business bank statements
• ABN and GST registration history

Alt-Doc and Non-Bank Options

Specialist non-bank lenders have more flexible assessment criteria and may consider alternative income evidence. We have access to these lenders through our panel and know which ones suit different situations.

Common Challenges (and How We Help)

• Fluctuating income: We know which lenders average income over multiple years vs. using the most recent year
• Recently self-employed: Some lenders require 2+ years of ABN history, but others accept 12 months or less
• Complex structures: Operating through a trust, company, or partnership? We understand how different lenders assess different structures
• Mixed income: Part PAYG employment, part self-employed? We know how to present this to lenders for the strongest assessment

Michael Gross is a Credit Representative (546597) of LMG Broker Services Pty Ltd (ACN 632 405 504, Australian Credit Licence 517192).