Flexible Home Loan Options Without Traditional Income Documents
Home loan solutions for eligible self-employed and PAYG borrowers using flexible income verification.
✅ Borrow up to 80% LVR*
✅ Options available with no ABN required*
✅ Alternative income verification options
✅ Available for purchases, refinancing and investment loans
Prefer to speak with a broker? Call
1300 388 360
Get a Free Assessment
Complete the form and a mortgage broker will contact you.
Your information will be kept private and confidential.
✓ Multiple lender options
✓ Personal broker support
✓ No-obligation assessment
Why Choose Sweetie Lending?
We compare suitable home loan options and help guide you through the application process from initial assessment to settlement.
Multiple Lenders
Access to a range of lenders and flexible lending solutions.
Flexible Verification
Alternative methods may be available to verify your income.
Personal Support
A dedicated broker will guide you through each stage.
Who May Be Suitable?
Self-Employed
Business owners seeking flexible income verification.
PAYG Employees
Eligible employees who cannot provide standard documents.
Contractors
Borrowers with variable, contract or non-standard income.
Company Directors
Directors with income received through a business structure.
How It Works
Submit Your Enquiry
Tell us about your loan requirements and financial position.
We Assess Your Options
We review your circumstances and compare suitable lenders.
Choose Your Loan
We explain the available options and assist with the application.
Frequently Asked Questions
Do I need an ABN?
Some lending options may be available without an ABN. Eligibility depends on the lender, your employment arrangement and your financial circumstances.
Do I need tax returns?
Not always. Some lenders accept alternative income verification, such as business bank statements, an accountant’s letter or other supporting documents.
Can PAYG employees apply?
Eligible PAYG borrowers may be considered where standard income documents are unavailable or do not accurately represent their financial position.
How much can I borrow?
Your borrowing capacity depends on your income, expenses, liabilities, deposit, credit history and the lender’s assessment criteria.
Can I refinance an existing loan?
Yes. Flexible-documentation options may be available for refinancing, debt consolidation, investment purposes or cash-out, subject to lender approval.
Will submitting an enquiry affect my credit score?
Submitting an initial enquiry with us does not automatically mean a formal credit application will be lodged. We will discuss the process with you first.
Ready to Explore Your Home Loan Options?
Request a free, no-obligation assessment today.
Or call 1300 388 360
*Interest rates, maximum LVR, documentation requirements and product eligibility are subject to lender policy, borrower circumstances and change without notice. Fees, charges, lending criteria and terms and conditions apply. This information is general in nature and does not constitute personal financial advice or a guarantee of approval. Credit Representative and licensing details should be displayed on this page.