Self Employed

Full Doc & Lo Doc Home Loans For The Self-Employed

Working for yourself should not be a barrier to home ownership and at AFM it’s not. Our lending specialists offer personalised service, assessing borrowers on a case-by-case basis. With a wide range of self-employed home loans available, we cut through the red tape of traditional lenders to present you with a serviceable solution. When you’re self-employed providing evidence of your income can prove difficult. Typically, you would need to supply a minimum of 2 years’ financials to support your home loan application or, if you are unable to do that, a lo doc home loan may be a more suitable solution. That’s where AFM can help you.


We offer a number of self-employed mortgage products that are flexible on the paperwork required to assess your application. Some of the most common documents you may be asked to supply include:

Full Doc Home Loan

  • Evidence of your ABN registration & company name (minimum 2 years’ registration required)
  • GST registration (if your declared income is more than $75,000)
  • Last 2 years’ full tax returns
  • All financial statements & reports
  • ATO Tax Assessment Notices

Lo Doc Home Loan

  • Evidence of your ABN registration & company name (minimum 6 months’ registration required for some AFM products)
  • GST registration (if your declared income is more than $75,000)
  • Business bank statements
  • ATO Lodged BAS/Lo Doc Declaration with declared income/accountant’s letter confirming the income you have declared on your lo doc declaration

5-Step Home Loan Application Process

Applying for an AFM home loan to purchase or refinance is hassle-free.
Go from pre-qualify to settlement in five easy steps.

pre-qualify for a mortgage


Find out how much you can borrow with an AFM pre-qualification

Submit your mortgage application


Submit your completed application form with accompanying documents.

What is mortgage conditional approval

Conditional Approval

Conditional approval is valid for 90 days. Once granted it is still subject to valuation and LMI approval

Home loan formal approval

Formal Approval

Once all conditions have been met your home loan will go unconditional

Home loan settlement step 5


Settlement occurs when the mortgage transfer from your existing lender has been completed or your solicitor or conveyancer will direct your lender to make the final settlement payments to the vendor (if you are purchasing a new property)

Not sure where to start or want to know which properties are in your budget?
Try our borrowing power calculator to see how much you are eligible to borrow.

Key Self Employed Loan Features

100 per cent offset account

100% Offset Account

Save on interest by attaching a 100% offset account to your home loan.

home loan for up to 95 percent of property price

Borrow Up to 80%

You can borrow up to 80% of the property value with an AFM Self Employed home loan.

Flexible mortgage repayments

Flexible Loan Repayments

Have the option to pay the principal and interest during and after construction, or you can take advantage of interest only repayments while construction is in progress (up to a maximum of 12 months)

We service large sum home loans

Large Loan Size

Our Self Employed home loans will allow you to borrow up to $2 Million.

Credit card with line of credit home loan

Line Of Credit

We also have the option for investors to take advantage of a Line of Credit investment loan with VISA debit card access.

© Australian First Mortgage 2019 | ACN 079 790 364 | Australian Credit Licence 386 494