How many people this covers
The ABS counted 1.1 million independent contractors in August 2025. That is 7.6% of everyone employed. Then add the owners of Australia's 1,735,470 non-employing businesses, which are 63.6% of all businesses on the ASBFEO's count. Put together, the self employed are a large share of every broker's potential book. They are also the people most likely to be turned away at a bank branch and to look for a broker the same week.
What a low doc record carries
The record replaces the payslip conversation with the documents the enquirer actually has.
- How long they have been self employed or contracting
- Which of these exist: lodged tax returns, business activity statements, accountant's letter, bank statements
- Whether they trade as a sole trader, company or trust
- Purpose: purchase, refinance or cash out, and the amount
- Existing debts, including business debt
- State, timing, time stamp and consent record
What is screened
Every enquiry is phone verified by SMS, checked for duplicates and screened on finance with up to 98 data points before delivery. For a self employed enquirer the screen asks one thing first: can the income be shown at all? That is where most of these enquiries would otherwise fail on the phone, after you have spent twenty minutes on them. We do not assess the loan and we do not approve anyone. A lender does that with the documents in hand.
Related lead types
Business owners borrowing for premises rather than a home are covered under commercial loan leads. Self employed enquirers with clean financials who simply want a better rate are a mortgage refinance lead.
Pricing
A fixed cost per lead agreed before the campaign runs, no retainer, no lock in. Records are exclusive to you and delivered live into your CRM. Invalid leads are reviewed within five business days and replaced or credited when confirmed.