Owner occupier
Realise your dream of owning a home with our tailored solutions, even if your circumstances differ from traditional bank standards.
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
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.
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
Home loans for more Aussies
We’ve helped thousands of Aussies realise their property goals
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.
Who we help
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
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.
What borrowers love about Bluestone
Read all testimonialsHome loan guides & insights
Everything from repayments to refinancing, minus the complicated bits.
Construction
19 October, 2026
How to get a construction loan when you’re self-employed
Are you self-employed? Wondering if you may be eligible for a construction loan? Worried about the income verification requirements? Eligible borrowers applying for a Bluestone Home Loans Alt Doc construction…
Commercial
18 October, 2026
Buying commercial property through your SMSF: How it works
Using a self-managed super fund (SMSF) to purchase commercial property is an option many Australians consider as part of their retirement investment strategy. While SMSFs can invest in commercial property…
Commercial
17 October, 2026
Commercial property loans for self-employed borrowers
Running your own business often means thinking differently about property ownership. Whether you’re purchasing premises for your business, expanding your investment portfolio, or refinancing an existing commercial property, securing finance…
Construction
16 October, 2026
Renovate or rebuild? Financing a major renovation in Australia
Renovating may be the more attractive option if your home has a sound structure, suits your location and can accommodate the changes you need. Rebuilding may make more sense when…
Self-employed
15 October, 2026
Refinancing your home loan when you’re self-employed
If you’re self-employed, refinancing your home loan can feel more complicated than it should.
Self-employed
18 September, 2026
Self-employed and wanting a home loan? Here’s what the research says
Running your own business shouldn’t mean putting your property goals on hold. Yet many self-employed Australians still wonder if getting a home loan will be harder because they work for themselves.
Commercial
11 September, 2026
Buy, refinance or grow? When to use a commercial property loan
A commercial property loan can help fund the purchase of a business premises, refinance existing commercial debt, unlock equity or invest in commercial real estate. The right option depends on your goals, business needs and…
Commercial
10 September, 2026
Commercial property loans for self-employed Australians
Self-employed Australians can apply for commercial property loans to purchase business premises, warehouses, retail spaces or commercial investment properties. While the application process may involve additional financial documentation, many lenders understand that business owners often earn…
Construction
4 September, 2026
Loans for building your dream home
Building your dream home means creating a space that’s uniquely yours, from the layout and finishes to the features that matter most to your family.
In case you missed anything
We’re always here to help! Check out our full list of FAQs.
- 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 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.
- 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.
- 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.
- 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.