Home loans for self employed
We make it easier for business owners to apply for a home loan. Our assessment team understands the complexities of self employed income and businesses. We make things simple with Alt Doc or Low Doc options.
You can apply with confidence, knowing that you have specialist support for you and your broker during your application.
What we offer
- Flexibile income verification, with as little as a 12 month ABN or 1 day GST registration
- An assessment team who specialise in applications for self employed borrowers
- Debt consolidation including business and ATO debts can be considered.
Low doc home loans are designed for borrowers who may not have access to the usual paperwork (i.e. tax returns or PAYG) that banks require for most home loans. This makes them a great option for business owners or self-employed individuals who might not fit the standard lending criteria.
Home loans for more Aussies
We’ve helped thousands of Aussies realise their property goals
Owner occupier
Realise your dream of owning a home with our tailored solutions, even if your circumstances differ from traditional bank standards
Investment property
Being self-employed or having imperfect credit shouldn’t close the door on the opportunity to grow your wealth
SMSF Investment
Take charge of your retirement goals. Find out how you can use your SMSF to invest in property.
Why Bluestone Home Loans?
Fast
Don't miss out on the perfect property. No more waiting for weeks for a decision.
Flexible
Each application is assessed and considered by our lending specialists.
Simple
Our expert team make even the most complex application an easy process.
No LMI
Borrow up to 90% LVR* without lenders mortgage insurance.
Speak to an accredited broker
Currently our home loans are only available through an accredited broker. Share your details and we’ll point you in the right direction to find the best loan fit for you.
Low Deposit?
Don't have 20% saved... no problem. We lend up to 90% LVR
Poor Credit?
We consider more than your credit score when assessing applications
Multiple Debts?
Refinancing existing debts could simplify your budget
Life Changed?
We consider your opportunity... whatever your circumstances
Helpful home loan tools and guides
Designed to help you better understand home loan rates, fees, repayments and lingo
Really helpful blogs and guides
Learn more about home loans, budgeting and the whole property purchasing journey
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Testimonials
What borrowers and brokers love about Bluestone
Have Questions?
We’re always here to help! Check out our full list
of FAQs or get in touch with our team.
The information provided is general in nature and is not intended to be financial advice. We always recommend you seek your own, independent financial advice which can take into consideration your specific circumstances. Terms & conditions apply.
How long do I have to be self-employed to get a home loan?
How long do I have to be self-employed to get a home loan?
Generally, to be eligible for a Bluestone Home Loan, applicants should have 6 months of activity on their ABN, along with our other criteria, such as:
- Australian citizen (including individuals living and working abroad) or permanent resident living in Australia
- Over 18 years old
- Buying or refinancing a residential property
- Looking to borrow between $100,000 and $3m
How does Bluestone define being self-employed?
How does Bluestone define being self-employed?
Self-employment is exactly what it sounds like – you work for yourself, and we recognise that. We also consider you self-employed when you have at least 25% ownership of a business.
What if I want to apply with Bluestone and have less than 12 months of ABN history?
What if I want to apply with Bluestone and have less than 12 months of ABN history?
If you want to apply to Bluestone through a broker with less than 12 months of ABN history, it is still possible you’d be approved. Less than 1 or 2 years of ABN history is a greater risk, similar to customers who have a full-time employment history of less than 1 year at a company.
Do banks lend to self-employed people?
Do banks lend to self-employed people?
Yes, however traditional banks usually have stricter rules for self-employed borrowers, especially when it comes to proving income.
At Bluestone, we specialise in helping self-employed people. We look at the full picture and can often offer more flexibility — like lower deposits or larger loan amounts than the banks might.
How much deposit do you need if you’re self-employed?
How much deposit do you need if you’re self-employed?
Depending on your circumstances, a Bluestone loan applicant may be able to put down a deposit as low as 15%, excluding any fees or associated charges.
Ready to get started?
Currently our home loans are only available through an accredited broker. Share your details and we’ll point you in the right direction.
