Who this guide is for
Australian buyers without traditional PAYG payslips — self-employed, contractors, business owners, freelancers — wanting home loans through alt-doc structures.
- Self-employed sole traders without PAYG payslips
- Company directors paying themselves dividends not salary
- ABN contractors with invoice income
- Cash-business owners with declared business income
The local picture
No payslips usually means automatic decline at major banks. The alternative — alt-doc and low-doc lending — uses BAS, tax returns, accountant's declaration, or bank statements as income evidence. Most general brokers don't handle these well.
How Mortgagefy helps locally
Mortgagefy specialises in alt-doc/low-doc lending. We identify the right structure for your specific income type, identify lenders comfortable with no-payslip applications, and document properly.
Free advice.
How it works — 4 simple steps
Free alt-doc chat
20-minute call about your income type and structure.
Compare alt-doc lenders
We identify lenders with the right structure for you.
Documentation strategy
We package BAS, tax returns, accountant declarations as needed.
Settle your home
You move in through alt-doc structure.
Frequently asked questions
What's the difference between alt-doc and low-doc?
How much deposit will I need without payslips?
How much more will I pay in rate?
Can I get an alt-doc loan with only 6 months of trading?
Are halal alt-doc loans available?
Talk to us about no-payslip home loans
Free 20-minute call about alt-doc and low-doc options.
Related guides
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