Stuck on a high rate? Want to consolidate debt, cash out equity, or finally move on from a loan that no longer fits your business?
Sole Trader Finance connects self employed
Australians with licensed brokers who specialise in low doc refinance - using BAS, bank statements or an accountant letter instead of full tax returns.
Self Employed Home Loan Refinancing — Without Tax Returns
Low Doc Refinance Australia
Takes 2 Minutes, No Obligation, No Credit Score Impact, Licensed Brokers Only
Big Dreams?
Refinancing could help you get there
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What Is a Low Doc Refinance?
A low doc refinance is exactly what it sounds like - refinancing your existing home loan using "low documentation"
income verification rather than the full set of tax returns traditional banks expect. For self employed Australians
whose financials don't fit the standard mould (recent ABN, retained business profits, fluctuating income, ATO
payment plan, or simply outdated tax returns), a low doc refinance can be the difference between staying stuck and
moving forward.
When you refinance, your existing home loan is paid out by a new one - often with a different lender, different
rate, different terms, or even a larger amount if you're cashing out equity. The right refinance can lower your
repayments, give you cash flow back, or fund the next chapter, all without the paperwork pain.
Why Self Employed Australians Refinance
Lower Your Interest Rate
If your loan was set up years ago - or written under specialist low doc terms when your business was newer - you may be paying more than you need to. A self employed refinance can move you to a sharper rate now that
your trading history is stronger.
Refinance Using Business Income
Use BAS, business bank statements or an accountant letter to qualify - particularly useful if your tax returns don't reflect what you're actually earning today.
Debt Consolidation Refinance for Self Employed
Roll high-interest credit cards, personal loans, business overdrafts, or even tax debt into your home loan to simplify your finances and reduce overall monthly outgoings. Debt consolidation refinance is one of the most common reasons self employed Australians refinance.
Refinance After a Bank Decline
If a major bank declined your refinance, that doesn't mean refinancing is off the table. Specialist low doc refinance lenders within our network regularly approve applications the banks turned away.
Cash Out Refinance Self Employed
Use the equity you've built in your home for renovations, business investment, an investment property deposit, or working capital. Cash out refinance for self employed borrowers works through specialist lenders who understand business income properly.
Can You Refinance a Home Loan Without Tax Returns?
Yes - and it's more common than most self employed Australians realise. Refinance without tax returns is
available through specialist lenders who accept alternative income verification
Refinance home loan with accountant letter
a signed declaration from your accountant confirming your
income
Refinance Using Business Income
calculated from BAS, profit & loss statements or business bank statements
Refinance low doc home loan
full low doc options for self employed applicants without current tax returns
Self employed refinance with ATO debt
specialist options available even with active tax debt or a
payment arrangement
Types of Self Employed & Low Doc Refinance We Help With
Rate-and-Term Low Doc Refinance
Switch lenders or restructure your existing loan for a better rate or term. Same loan amount, better deal.
Refinance for Business Owners
Specialist refinance options for sole traders, company directors and small business owners - using business
income verification rather than payslips.
Cash Out Refinance for Business Owners
Access equity for any purpose - business expansion, an investment property deposit, renovations, or working
capital.
Investment Property Low Doc Refinance
a signed declaration from your accountant confirming your
income
Debt Consolidation Refinance
Roll multiple debts into your home loan at a much lower rate, simplifying your monthly outgoings into one
manageable repayment.
Why Self Employed Australians Choose Sole Trader Finance to Refinance
✔ Low doc refinance specialists
not general refinance brokers. Our partners work with self employed clients every day.
✔45+ lenders compared
including the specialist non-bank lenders best suited to low doc refinance applications.
✔ Refinance without tax returns
use BAS, bank statements or an accountant letter instead.
✔ Faster processing
specialist brokers process refinance applications faster because they know what each lender needs upfront
✔ No credit score impact at enquiry
check your refinance options without affecting your credit file.
Common Self Employed Refinance Situations We Solve
"My rate is too high but I don't have current tax returns" → refinance using business income or accountant letter
"I want to consolidate credit card debt and a car loan" → debt consolidation refinance for self employed
"I need cash out to grow my business" → cash out refinance using your existing equity
"My bank won't refinance me because of ATO debt" → specialist low doc refinance lenders
"I was knocked back because my income looks different now" → self employed refinance with alternative verification
"I have an investment property and want to refinance both loans" → low doc investment property refinance
Low Doc & Self Employed Refinance FAQs
Ready to Refinance Your Home Loan?
Submit your details and we'll match you with a licensed self employed refinance specialist. No obligation, no credit
score impact — just a clear answer on whether refinancing makes sense for you.
Takes 2 Minutes , No Obligation, No Credit Score Impact,Licensed Brokers Only