Self Employed Home Loan

Self Employed & Low Doc Loan for Small Business Owners

We know how daunting it can be to secure a self-employed home loan, especially when your accountants and banks use different terminologies. At Oyster Hub, our team has skilled and award-winning accountants and finance brokers who have a comprehensive understanding of the bank process for small business home loans. You can trust us to bridge the communication gap and guide you through the loan application process with ease.

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Applying for a home loan when you’re self-employed can be a bit more tricky than you think.

Are you a self-employed individual who feels hindered from buying a home? While applying for a home loan may appear more challenging than it is for salaried persons, it’s achievable. Although home loan requirements may differ among lenders, preparing the following documents can enhance your chances of success:

Our in-house accountant can assist in preparing your finances to meet your loan requirements.

Why Work with us for your self employed Low doc home loan

Many business owners find themselves in a predicament when they realize that their accountant has not been providing them with the support they need to succeed.

Our team of experts are well-versed in working with self-employed individuals like yourself, and we specialize in providing tailored solutions to meet your unique business needs. When you work with us, you can be confident that you’ll be in a much better position to secure the loans you need to take your business to the next level.

Streamlined income verification

Our streamlined self-employed application process may be an ideal option for you.

Simple Application Process

Our flexible loan terms and lender options make it easy for self-employed individuals to apply for a home loan.

Less paperwork

For most loan applications, we might need your tax statements and business financial statements for a full financial year.

For Small Businesses, Get Faster Self Employed Home Loan Approval for your next dream

You don’t always have to put your plans of owning a house on hold. Our finance brokers will work with banks to provide flexible home loan options, so you can focus on growing your business while we handle the paperwork. Discover our range of home loans tailored to meet the needs of self-employed and small business owners.


What Is Required In Self Employed Low Doc Loans?

If you’re considering purchasing, restructuring, or refinancing— whether you’re a sole trader, company, partnership, or trust, we can help you get the perfect finance solution for you.

Low-doc home loans are designed for self-employed borrowers who are unable to provide the conventional proof of income required for typical home loans. Unlike traditional home loans, low-doc loans use alternative income sources and a simplified income declaration form.

However, since lenders perceive it as a higher-risk loan, it may come with a higher interest rate and limitations on the maximum loan-to-value ratio (LVR).

We can guide you through the benefits and potential drawbacks of low-doc loans and explore alternative options that may be more suitable for you. Contact us today to learn more.

Securing a home loan can be a challenge for self-employed individuals with less than two years of business experience. Many lenders prefer to see at least two years of business performance to assess the borrower’s income stream. But Oysterhub won’t let that hold you back.

We understand the unique challenges that self-employed individuals face when it comes to securing a home loan. Our expert finance brokers can guide you through the process and provide you with tailored advice on the best loan product for your situation. We offer flexible loan terms and work with a range of lenders to find the best loan option for you.

Our lending partners can offer low-doc loans that may not require two years of tax returns or financial statements for approval!

This is especially beneficial for individuals who had a low profit in their first year or experienced a one-time setback that might have previously hindered their ability to secure funding. With our low-doc loans, you can access the capital you need without the hassle of providing extensive financial documentation.

You will need to provide:

  • The last year’s financial statements
  • The last year’s business tax returns.
  • The last year’s tax returns.
  • The last year’s notices of assessment.

Oyster Hub provides both types of loans, enabling you to compare our selection of variable-rate mortgages and select the one that best suits your needs. Talk to us and learn more about our low-doc loan options.

The following details are normally required on the accountant’s letter:

  • Declaration signed by a certified accountant who can verify the integrity of your annual net income.
  • Must be presented on their official letterhead. Specific forms will be provided by the bank for your accountant to complete if you are submitting on a low-doc declaration.
  • The accountant’s complete details, including their ABN, address, and phone number, must be included to verify the authenticity of the declaration.
  • Letter must be signed and dated accordingly.
  • The accountant should specify how long they have acted on behalf of the borrower.
  • The accountant should also mention that the current financials are unavailable but, based on their understanding of the client’s current situation, the provided figure is a reasonable estimate of their annual gross income.
  • The taxable income the borrower is earning.
  • A disclaimer to protect the accountant.

The Business Activity Statement (BAS) was introduced in 2000 by the Australian Tax Government so businesses have means to report their GST and PAYG withholding tax obligations. Due to the aftermath of the Global Financial Crisis (GFC) in 2008 and the implementation of the National Consumer Credit Protection (NCCP) Act in 2010, lenders are now required to verify a borrower’s income for low-doc loans.

To reduce the risk of non-repayment, lenders began using BAS statements to confirm a client’s turnover. This helps in assess the client’s financial position better and ensure that instances of non-repayment do not occur, creating a more secure lending environment.

At Oyster Hub, we understand the importance of responsible lending and strive to provide our clients with the best possible service. That’s why we work with a range of lenders to offer low-doc loans that meet your unique needs while still ensuring sound financial decision-making. Contact us today to learn more.


While most lenders require businesses to have ABN and GST registration for at least two years, we work with a lender who only requires one year of registration.


Lenders usually require a minimum of 12 months’ worth of Business Activity Statements (BAS) to assess your income. However, we work with select lenders who may only require one or two BAS statements.

Credit History

Your credit history must be clear of any adverse listings and your debts must be paid on time. Some exceptions are available.

Savings History

When borrowing over 60% of the property value (LVR), you may be required to provide evidence of genuine savings.

You can register your company and other key business registrations through the Business Registration Service. Before you register, make sure you:
choose a company name, decide whether your company will be proprietary or public and understand your legal obligations.

Our dedicated team of small business accountants specialises in assisting you with the Overdue tax lodgements and paperwork to secure a small business loan.

We understand the unique challenges faced by self-employed individuals and work diligently to ensure your compliance obligations are met, helping you avoid potential penalties while keeping your business operations running seamlessly.

Our dedicated team of Small Business Accountants and Finance brokers are here to assist you in overcoming these obstacles. We work closely with you to ensure that your accounting and tax lodgements are completed on time to get your loan application approval.

What is Rescue Accounting & Bookkeeping? 

Rescue Accounting & Bookkeeping is a comprehensive solution designed specifically for small business owners who find themselves stagnating year after year, unable to achieve significant growth.

If you’re feeling stuck in your business and struggling to make progress, our Rescue Accounting & Bookkeeping service is tailored to address these challenges.

  1. Drowning in Paperwork 
  2. Behind on Lodgements 
  3. Paying High Tax Bills
  4. Struggling as a Startup 
  5. Low Business Cashflow 
  6. Tax Deb Payment Plans 
  7. ATO Debt Negotiation.  

Feeling a bit lost? If you feel that you need help BOOK A DISCOVERY CALL

Don’t let unexpected legal issues or financial risks jeopardize your hard-earned assets. Our team of experienced professionals is dedicated to providing you with an analysis of your current structure to identify what may put your assets at risk.

If you are running a small business and are looking to invest or buy a property, you must review your business structure for reducing business risk.

Why You Need to Review Your Business Structure.

  • Alignment: Ensure your current business structure aligns with your property investment goals.
  • Financing: Assess how your business structure may impact financing options for property purchases.
  • Asset Protection: Safeguard personal and business assets by evaluating risks and liabilities associated with property ownership.
  • Tax Optimization: Identify tax-saving opportunities by reviewing and optimizing your business structure.
  • Scalability: Determine if your current structure allows for future property acquisitions and business growth.

Feeling a bit lost? If you feel that you need help BOOK A DISCOVERY CALL

Are you running low on business cash flow and have paid high tax bills in the previous year’s tax returns?
We have found that 80% of small business owners have paid high tax bills, which could have been minimized through the utilization of small business concessions and tax strategies.

Well, these tax savings can be a significant part of your next property purchase deposit.

Getting a second opinion on tax and receiving a detailed analysis of your business:

  • Finding potential tax savings.
  • Reviewing your business structure to identify any factors contributing to high tax bills.
  • Evaluating your current bookkeeping and accounting methods to address low business cash flow.

Feeling a bit lost? If you believe that you need assistance, don’t hesitate to BOOK A DISCOVERY CALL


Is Your Overdue Accounting & Tax Lodgements Stopping you from getting a Loan.

Securing a Self-Employed Loan for your upcoming residential or commercial property can pose challenges, particularly if you have fallen behind on your Accounting & Tax Lodgements.

We find most small business clients struggle with their accountants to get their Tax returns and ATO Lodgements done urgently when they are applying for a Self-employed loan.

As a business owner or self-employed individual, it’s important to understand that lenders will view your loan application differently compared to those who are employed by a company. Our team at Oyster Hub understands that securing a loan can be challenging. That’s why we offer a range of low-doc loans tailored to meet your specific needs and help you secure the financing you require.

The Benefits of working with a Finance Broker Who Understands Small Business

At Oyster Hub Finance, we are dedicated to helping small business owners find their pearls and make a meaningful impact on their families. Whether you need a short-term cash flow solution or financing for your dream home, our goal is to ensure that every financial decision you make leads to success.

Our team of lending experts is committed to providing personalized and convenient service, meeting you at a time and place that suits your needs. Let us be your guide through the process, empowering you to turn your financial goals into a vibrant reality. The world is your oyster, and with Oyster Hub Finance, you can discover the pearl that will transform your future.

Our finance brokers, well-versed in small business dynamics, possess comprehensive knowledge of self-employed business owners. With a thorough understanding of your unique circumstances, we delve deep into preparing you for your next property purchase, ensuring you’re well-equipped to make informed financial decisions. 

  1. Assessing Financial Needs: We start by understanding your financial requirements and objectives. Our experts will conduct a thorough evaluation of your business and financial statements to determine the amount of funding needed and the best loan options for your specific situation.

  2. Gathering Documentation: We guide you through the process of gathering all the necessary documentation for the loan application. This includes financial statements, tax returns, bank statements, business plans, and any other supporting documents required by the lenders.

  3. Preparing a Strong Application: Our team assists in preparing a strong loan application that highlights your business’s strengths, financial stability, and growth potential. We ensure that all the relevant information is presented in a clear and compelling manner to enhance your chances of approval.

  4. Connecting with Lenders: As experienced finance brokers, we have established relationships with a network of lenders specializing in small business loans. We connect you with the right lenders, matching your needs and increasing your chances of securing favourable loan terms.

  5. Managing the Process: We act as your advocate throughout the loan application process, liaising with lenders, providing necessary updates, and addressing any queries or concerns. Our goal is to make the process as smooth and efficient as possible, saving you time and reducing the stress associated with loan applications.

By following these steps, we help small business owners navigate the loan application process, ensuring that they present a strong case to lenders and improve their chances of obtaining the financing they need to grow and thrive.


At Oyster Hub, our finance brokers are supported by award-winning accountants, providing you with trustworthy advice you can rely on. When you choose our services, you can have confidence in the expertise and knowledge backing our finance professionals.

  • Unparalleled Expertise: Our finance brokers are supported by a team of award-winning accountants who bring extensive knowledge and expertise to the table. With their guidance, you can trust that your financial matters are in capable hands.
  • Trusted Advice: With the backing of our renowned accountants, our finance brokers offer advice you can rely on. We provide well-informed recommendations and strategies tailored to your specific financial goals and needs.
  • Comprehensive Financial Solutions: Our integrated approach combines the expertise of our finance brokers and accountants, allowing us to offer comprehensive financial solutions. From loan options to tax planning, we can help you navigate various aspects of your financial journey.
  • Proven Track Record: Our award-winning accountants and finance brokers have a proven track record of success. We have assisted numerous clients in achieving their financial objectives, and we are dedicated to helping you do the same.

Choose Oyster Hub as your finance broker, backed by our award-winning accountants, and experience the peace of mind that comes with receiving trusted advice and comprehensive financial solutions. 


Time-Saving Expertise: Our experienced finance brokers specialize in small business financing. By leveraging their expertise, you can save valuable time that would otherwise be spent researching loan options, gathering documentation, and navigating the complex application process.

Cost-Effective Solutions: We understand the financial challenges faced by small businesses. Our brokers work diligently to find cost-effective loan solutions that meet your specific needs. By accessing our extensive network of lenders, we can secure competitive interest rates and favorable loan terms, ultimately saving you money in the long run.

Streamlined Process: As your finance broker, we handle the entire loan application process on your behalf. From initial assessment to gathering documentation, preparing applications, and negotiating terms, we streamline the process, minimizing administrative burdens and allowing you to focus on running your business.

Access to Multiple Lenders: With our broad network of lenders, including those specializing in small business financing, we can connect you with a variety of loan options. This access increases your chances of finding the most suitable financing solution tailored to your unique business requirements.

Expert Guidance and Support: Our dedicated finance brokers provide personalized guidance and support throughout the entire process. We alleviate the stress and uncertainty by offering professional advice, addressing your concerns, and advocating for your best interests.

Choosing us as your small business finance broker allows you to save valuable time, money, and energy. Our expertise, cost-effective solutions, streamlined process, access to multiple lenders, and ongoing support ensure a smooth and efficient financing experience for your business.



Why Should You Select Us as Your Accountants?

Our OysterHub accountants are available to provide your business with the accounting services and strategic direction it needs to grow while staying in compliance with tax laws.

Because all of our Sydney accountants are highly skilled experts with experience working with a number of business types, you can be sure that using our services will lead to the greatest outcomes. An accountant can help you with everything from dealing with the ATO to growing your business.

5-star ratings from clients
Extensive accounting and taxation expertise
Customer service personnel
The right experts for your starting business

Need an expert wizard?

Come and have a chat with our friendly staff about your next big steps.


Learn more about our Award Winning Service

Your business is a journey; create an impact and build a business that has a purpose to make a difference to your family, community, and yourself. We have put together everything you need to know about how we create an impact at Oyster Hub with ‘Your Journey with Oyster Hub Guide.’ Download the PDF and learn more about how you can create an impact in your business


Small Business Tax Accounting


What People Love About Us

I have never found a more passionate finance broker than Vik and his team at Oysterhub. We were about to lose our house when our business took a down shift. Vik saved us from getting a finance deal approved when banks shut the door at us. It's great to work with people who actually care about people not just profits.

Joanne Sims NDIS Business Owner

I have never seen someone more passionate tax accountant than Adarsh about wanting to help people save time on their menial processes - makes me wonder the experiences in business he has gone through but I'm not complaining I am thankful for it. He is the only tax accountant who has helped me save an extra 8-10 hours per week on lazy accountant tasks and facilitate in enabling me to put these tasks to more productive areas.

David Smith Platinum's Electrical. Owner.