Ding Self-EmployedFinance
Guide

Self-Employed Documentation Guide

Exactly what you need to prepare for your self-employed home loan application. Organised by business structure so you only gather what\'s relevant.

All Self-Employed Applicants

  • 2 most recent personal tax returns + notices of assessment
  • Current driver's licence or passport (ID)
  • Recent council rates notice or utility bill (address proof)
  • Last 3 months' personal bank statements
  • Details of existing debts (loans, credit cards, HECS)
  • Purchase contract (if applicable)

Sole Traders (additional)

  • 2 most recent business tax returns
  • Last 4 BAS statements (quarterly)
  • ABN registration confirmation
  • Business bank statements (3 months)
  • Accountant's letter confirming ongoing trading (if requested)

Company Directors (additional)

  • 2 most recent company tax returns
  • Company financial statements (P&L, balance sheet)
  • ATO integrated client account (company)
  • ASIC company extract showing directorship
  • Shareholder details and ownership structure
  • Trust deed (if trust involved)
  • Trust tax return (if applicable)

Contractors (additional)

  • Current executed contract showing rate and duration
  • Previous contract(s) showing 12+ months history
  • ABN registration and GST registration
  • Last 4 BAS statements
  • Company tax return (if operating through Pty Ltd)

Pro Tip: Timing Matters

If your latest tax return shows lower income than the previous year, some lenders will use the lower figure. Consider timing your application — we can advise on whether to wait for stronger financials or proceed with strategic lender selection.

Can\'t find something?

We\'ll help you work out alternatives. Some documents can be substituted.

Not lodged yet?

Some lenders accept year-to-date financials or interim accounts. We know which ones.

Need Help Gathering Documents?

We\'ll review what you have and tell you exactly what else is needed.

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