Not everyone is a typical pay as you go (PAYG) or salaried employee. If you’re self-employed or your circumstances are out of the ordinary, there may be options available to help you into your first home.

When you apply for your first home loan, lenders want to see evidence of your income — for many people, that means providing pay slips and other financial statements. But what if you’re self-employed and don’t have regular documents to prove your income?

The good news is that if you run your own business it can still be possible to buy a home using a low doc loan. Similarly, if your credit history is lacking, you might be able to apply for a non-conforming loan instead.