Self-employed
home loans.
Home lending for Australians who work for themselves, with Full Doc and Alt Doc options built around how your business earns.
Australian Credit Licence 504917 · Credit assessment and eligibility apply.
Our loans
Five product ranges for different income, property and business situations. Terms depend on current policy and credit assessment.
Refinancing? Easy Refi is a dedicated refinance route across the Prime and Optimal ranges.
Made for business income
Full Doc or Alt Doc
Show income with tax returns and financials, or with alternative evidence such as BAS or business statements, depending on the product.
Your whole situation
Buying, investing, refinancing, SMSF or commercial property. We look at the purpose and how the loan fits your plans.
Straight answers
Alt Doc is a different way to document income, not a skipped check. We tell you what is needed before you apply.
How it works
Tell us your plans
Your goal, the property and how your business earns.
Get the right path
We match you to a product and list the documents it needs.
Apply and settle
Every application is credit assessed. We guide you through to settlement.
Common questions
Can I apply for a home loan if I am self-employed?
Yes. So Money has residential ranges with Full Doc and Alt Doc options. The suitable path and required evidence depend on the product and your circumstances; every application is subject to credit assessment.
What income documents might I need?
Depending on the product, business and personal financial records or other approved income evidence. Read our document guide.
Is an Alt Doc loan a loan without income checks?
No. Alt Doc is a different way of documenting income, not a waiver of income verification.
Can a self-employed borrower refinance?
Yes. Easy Refi starts with your current lender and loan history. Eligibility is assessed under current policy.
Broker or referral partner? Work with So Money on your clients’ lending.
Partner with us