Self Employed Home Loans › Can I get a home loan with an ABN?

Can I get a home loan with an ABN?

Yes. Holding an ABN is normal for self employed borrowers. Lenders will usually want to see how long the ABN has been active and registered for GST where relevant, alongside your income evidence. Some low doc lenders accept an ABN active for as little as 12 months.

Written by Ross McFarlane, Licensed Mortgage Broker (Credit Representative 526725). About the author

Why this matters

ABN age is one of the first things a lender checks, because it signals how established your business is. A longer active ABN gives more lenders to choose from, but a newer ABN is not a dead end, some specialist lenders work with ABNs active around a year. The key is matching ABN age to a lender that accepts it.

The key points

Lenders check how long your ABN has been active.
GST registration may matter depending on the lender.
Some low doc lenders accept an ABN active around 12 months.
A longer ABN history widens your lender options.

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Last reviewed: June 2026

General information only. This page provides general information about home loans and is not financial or credit advice, a quote, or a guarantee, and your personal circumstances have not been considered. Lending policies, interest rates, fees and eligibility vary by lender and change over time. Always confirm your own situation with a licensed mortgage broker or lender before acting. Ross McFarlane (Credit Representative 526725) is an authorised Credit Representative of Australian Associated Advisers Pty Ltd t/a Keylend, Australian Credit Licence 392169.