Self Employed Home Loans › What documents do self employed borrowers need for a home loan?

What documents do self employed borrowers need for a home loan?

For a full doc loan, lenders usually want your two most recent personal tax returns and notices of assessment, and often your business tax returns and financial statements. For a low doc loan, the proof is lighter, such as an accountant letter, BAS, or business bank statements.

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

Why this matters

Knowing what is needed up front saves weeks. The full doc path is paperwork heavy but usually gives the sharpest rates. The low doc path is lighter on documents and exists for borrowers whose tax returns do not yet show the full picture. A broker can tell you which path your situation fits before you gather anything.

The key points

Full doc: two years tax returns and notices of assessment.
Often business returns and financial statements as well.
Low doc: accountant letter, BAS, or business bank statements.
The right path depends on what your figures currently show.

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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.