Self-Employed Home Loans - Melbourne

At Mocha Finance, I specialise in finding lending options 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. I have access to these lenders through my panel and know which ones suit different situations.

Common Challenges (and How I Help)

• Fluctuating income: I 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? I understand how different lenders assess different structures
• Mixed income: Part PAYG employment, part self-employed? I 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).