How do self-employed home loans actually work?

A self-employed loan works differently — because your income works differently. Most banks want a full-time job and two years of tax returns. That’s not how entrepreneurs roll. Your income might come through a trust, fluctuate seasonally, or be optimised for tax. Traditional lenders don’t get it. Flexdoc does.

With a self-employed loan, we use alternative documents — BAS, company financials, accountant declarations — to paint a more accurate picture. It’s not about ticking boxes. It’s about showing the real strength behind your numbers.

Take Deniz — a consultant with $600k revenue but low declared income. We helped him use business turnover to qualify, not just his personal wage. Approved in five days.

We also explain the process in plain English. No jargon. No judgment. Just clear steps and fast answers.

At Flexdoc, we don’t penalise you for being self-employed. We empower you. Whether you’re refinancing, buying a new property, or tapping equity — our self-employed loan solutions are designed to fit you, not the other way around.

Ready to stop the runaround? Let’s make lending simple.