Self Employed Home Loan Document Checklist
Self employed files are the most document heavy loan type. The exact pack depends on the trading structure, so confirming whether the borrower operates as a sole trader, through a company, or through a trust is the first step.
Documents to collect
Two years of personal tax returns
Confirm taxable income, business schedule details, and any rental or investment income.
Read the full guide →Two matching ATO Notices of Assessment
Confirm taxable income matches the tax returns exactly. Check for outstanding ATO balances.
Read the full guide →Two years of company tax returns (if company structure)
Extract company net profit, director salary, and dividends paid.
Two years of company financial statements (if company structure)
Cross check P&L net profit to the company tax return. Note depreciation and other add backs.
Read the full guide →Two years of trust tax returns (if trust structure)
Confirm trust net income and beneficiary distributions.
Trust deed (if trust structure)
Confirm the trust type, trustee details, and that the trust deed permits borrowing.
ABN registration confirmation
Confirm ABN is active and the registration date aligns with stated trading history.
Three months of business bank statements
Verify ongoing trading activity and cash flow patterns.
Read the full guide →Three months of personal bank statements
Check for salary credits, red flags, and closing balance patterns.
Read the full guide →Tips
- ✓Confirm the trading structure before collecting documents to avoid requesting the wrong set
- ✓Note every legitimate add back with the specific line item from the return or financial statements
- ✓Match the file to a lender whose self employed policy suits the client structure and trading history
How QualifyMate helps
QualifyMate reads tax returns, notices of assessment, and company financial statements together and presents a consolidated view of self employed income ready for broker review and lender submission.
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