Running your own small business comes with a level of freedom and flexibility, but this can leave little time for figuring out how to get a home loan. Lenders will scrutinise not only your personal circumstances, but also those of your business – which can be daunting.

That’s why we’ve put together real-life guide to self-employed home loans, to help take the stress out of the mortgage process.

Looking for a self-employed home loan? Meet the Alt Doc loan.

Digging up paperwork can be timely and frustrating, especially if being a top-notch record keeper isn’t something you count amongst your many talents. Our Access home loan range was created to help those without traditional documentation.

So, what is an Alt Doc loan?

Put simply, an Alt Doc loan (short for alternative documentation loan) allows for an applicant to provide different income documentation to support their application. Our Access Alt Doc loans still comply with responsible lending requirements, and we individually assess each Alt Doc loan application.

Worried about interest rates? Don’t worry! We offer very competitive repayment options to suit your budget.

If you don’t tick the traditional home loan boxes, then our flexible Alt Doc loans could be an option for:

  • Those refused a loan by the banks due to being self-employed
  • Newly self-employed borrowers – we accept 6 months of ABN activity
  • Small business owners with alternative income documentation
  • Managing cashflow – we offer weekly, fortnightly or monthly repayments
  • Purchasing business equipment, refinancing high interest business debt, even repaying ATO debt
  • Those with past or present credit issues, even short term out of bankruptcy

Our Alt Doc loans accept documentation that’s more relevant to small business owner’s circumstances. You might be eligible for an Alt Doc loan even if you’ve only been self-employed for 6 months.

We have multiple options available and will help you collate the best documentation for your individual circumstances.

The power of the Alt Doc loan

An Alt Doc loan could give you the power to help buy your own home or invest in property.

Refinancing a home loan could also allow you to consolidate business debt, improve your cash flow by paying outstanding tax debts, or even obtain cash for business purposes. All loan applications are subject to Pepper Money’s credit assessment and eligibility criteria.

Talk to the specialists

When speaking with an LJ Hooker Home Loans lending specialist, be up front about the ups and downs of your business. The little details matter. While consistent income is a factor when assessing a loan, we have helped many small business owners with self-employed home loan options.

We understand the challenges of small business, and how cash flow has a knock-on effect. We’re in the business of finding home loan solutions that fit your circumstances.

Answers to all your questions are available via any of our local lending specialists. They’re available 7 days a week for a phone, web based, or in person chat.

Simply fill out your details below and we’ll be in touch.

Check out our borrower guide for the self-employed

We hope you found this article helpful. If you'd like to discuss it further please fill in the form below and we'll be in touch.

This article is prepared based on general information. It does not take into account individual financial objectives or needs and is not financial product advice. Credit criteria applies to any loan application. Fees and charges, terms and conditions apply.