We understand variable income, complex financials, and the realities of running a business — and we match you with lenders who do too. We have lending options from full doc to low doc to suit all self-employed borrowers.
Not always — some lenders accept one year financials, just payslips or last 2 years Notice of assessments. If these documents aren’t available or don’t stack up, we also have alternative lending options.
It can which is why we ensure that we understand your business, how it operates and are able to explain this to credit and find you the best solution.
Sometimes, depending on documentation and risk profile. We will work with you to get the best rate possible.
We can get your new loan sorted, fill out the form or call us on the number below !
Being your own boss is the ultimate Australian dream, but when it comes to securing a mortgage, many banks treat self-employment as a hurdle rather than an achievement. In 2026, as lending criteria tighten under new APRA debt-to-income (DTI) caps, self-employed borrowers often find that their traditional tax returns don't tell the full story of their financial success.
At Lend Local Co, based in Glenbrook, we speak your language. We understand that your business income might fluctuate, your tax structures might be complex, or you may have reinvested profits back into your growth. We specialise in self employed home loans, helping tradies in Penrith, creative professionals in the Blue Mountains, and business owners in Bathurst secure the finance they deserve without the "big bank" headaches.
Traditional lenders often demand two years of rock-solid, identical tax returns. If your business has recently grown, changed structures, or had a high-expense year due to asset purchases, a standard application might fail. We provide access to a panel of over 70 lenders, including specialist partners who look at your business potential, not just your paperwork.
If your full tax returns aren't ready or don't reflect your current earning power, we offer Alt-Doc (Alternative Documentation) and Low-Doc solutions. These allow us to verify your income using:
The 2026 financial environment has introduced new challenges, such as the 20% cap on high-DTI lending for major banks. For a self-employed person, these ratios can be tricky.
Our expertise lies in matching your specific business profile with the right lender. We know which non-bank lenders sit outside these APRA caps and which specialist banks have an "appetite" for self-employed professionals in the Hawkesbury or Central West.
Whether you are a solo operator in Lithgow or manage a large team in Western Sydney, your business is part of the local economy. At Lend Local Co, we provide:
"We understand that you’re an entrepreneur, not just a set of figures on a spreadsheet. Our 'caring' approach means we fight to tell the story behind your business, ensuring you get the same competitive rates as any regular employee."
Don't let a "no" from a major bank stop your property goals. Let’s look at your BAS, your bank statements, and your vision for the future to find the self employed home loan that fits.
