Brokers > Self Employed
Unlock self-employed deals, faster.
A simpler path to 48-hour conditional approvals across residential and commercial lending.
Self-employed solutions
Self-employed clients shouldn’t be the hardest deals to place. MA Money removes the friction with flexible policy, reduced documentation, and a faster path to approval so you can move quickly and secure more deals.
Support and tools to get deals done
Work with experienced BDMs and access tools that help you structure and submit self-employed deals with confidence.
Speak to a BDM
Talk through your scenario and get guidance on how to structure the deal
One lender across residential and commercial
You don’t need to split your clients’ loans across multiple lenders.
MA Money gives you a consistent approach across both residential and commercial lending, making it easier to manage your client’s full scenario in one place.
Residential Loans
Alt Doc options up to $15m
Cash out for business purposes
No credit score, CCR or DTI
Commercial Loans
Alt Doc and Light Doc options
No annual reviews
Corporate and trust borrowers
Real scenarios we support
Not every self-employed client fits a standard model.
That’s where MA Money creates opportunity.
- Full Doc borrowers with 1-year financials
- Alt Doc borrowers needing flexible income verification, like an Accountant letter
- ABN and GST from 6 months
- Clients managing ATO debt or cash flow timing
- Complex structures across entities or income streams
- Commercial owner-occupied scenarios
Have a self-employed deal that you're working on?
Let’s look at it differently
Designed to make deals easier to place
48-hour conditional approvals
Move quickly, secure the deal, and give your clients confidence early.
Simplicity
Reduced doc requirements so you can package and submit with less back and forth.
Flexibility
Multiple income verification options, assessed using a common-sense approach tailored to each self-employed scenario.
Commercial access
A practical way to include owner-occupied commercial property within your client’s overall lending strategy.
Broader lending scope
Built for complex self-employed scenarios. Short trading history, ATO debt, or non-standard structures.
Self-employed lending
1. What self-employed lending options are available?
We offer both Full Doc and Alt Doc residential lending options for self-employed borrowers, with flexible pathways depending on how the customer can verify their income.
2. What is Full Doc?
Full Doc is for self-employed applicants who can fully verify their income. Borrowers can provide one year of company or trust tax returns, one year of personal tax returns and the corresponding Notice of Assessment, none older than 21 months.
3. What is simplified self-employed verification?
For company directors, we may be able to use three months of salary credits and the last financial year ATO income statement to verify income.
4. What is Alt Doc?
Alt Doc is designed for self-employed borrowers who may not meet traditional income verification requirements, or whose tax returns do not reflect their current income. Income can be supported by a self-declaration plus BAS, business bank statements or an accountant letter.
5. How do you assess Alt Doc income?
We look at the customer’s industry, location, business structure, asset position, credit file, repayment history, debt levels and whether the income makes sense for the type of work they do. We also need to understand the loan purpose, benefit, servicing position and exit strategy.
6. Can self-employed borrowers access cash out?
Yes. Cash out is available up to the product’s maximum LVR, subject to policy requirements.
7. Can company debts be excluded from servicing?
Yes. Company debts are not required to be factored into servicing, subject to policy requirements.
8. Can self-employed borrowers consolidate ATO debt or private loans?
Yes. ATO debt and private loans can be considered for consolidation.
Unlock your next
self-employed deal
Whether it’s residential or commercial, straightforward or complex, MA Money helps you move faster and get more deals across the line.
