Self Employed Home Loans › Can I get a home loan if my tax returns are not finalised?

Can I get a home loan if my tax returns are not finalised?

Possibly. If your latest returns are not lodged, some lenders will consider recent BAS, business bank statements, or an accountant letter under a low doc arrangement, rather than waiting for the tax to be finalised.

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

Why this matters

Unfinalised tax is one of the most common reasons business owners delay buying, and it is often unnecessary. Low doc paths exist precisely for this gap, letting a lender assess your current earnings without your latest return being lodged. It can mean acting now rather than waiting months for paperwork to catch up.

The key points

Unlodged returns do not always stop an application.
Low doc can use BAS, bank statements or an accountant letter.
It can let you act now rather than wait.
The lender still needs reasonable evidence of income.

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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.