LOW DOCUMENTATION LENDING
No tax returns? No problem.
Low doc home loans let self-employed Australians use BAS, bank statements, or accountant letters instead of full tax returns to get approved.
Instead of two years of tax returns, you provide alternative proof of income — like BAS, bank statements, or an accountant's declaration. We match you with the right lender based on what documentation you have available.
A low doc loan is designed for self-employed Australians who don't have the traditional paperwork banks typically require.
No full tax returns required. Many lenders accept BAS, bank statements, or an accountant's letter as proof of income.
We access low doc products from mainstream banks and specialist non-bank lenders for the most competitive rates.
Low doc lenders often 'add back' business deductions like depreciation, boosting what you can actually borrow.
We understand ABN structures, GST cycles, and seasonal income — and we know which lenders do too.
WHAT YOU'LL NEED
6–12 months of BAS showing your business turnover and GST.
A letter from your accountant confirming your income — no full tax return needed.
Some lenders assess income from 3–6 months of business bank statements.
For strong equity positions, certain lenders accept a signed income declaration.
SMART STRATEGY
A low doc loan doesn't have to be forever. We use it as a bridge to get you into the market now, then refinance you to a better rate once your financials are ready.
We place you with a low doc lender now — using BAS, bank statements, or an accountant's letter — so you don't miss out on the property you want.
Over the next 6–24 months, your accountant prepares your tax returns and financials. We stay in touch and monitor the market for the right time to move.
Once your tax returns are lodged, we refinance you to a full doc lender at a lower rate — minimising the time and cost spent on the low doc product.
The result?
You get into the market today instead of waiting years for perfect paperwork — then transition to a competitive prime rate as soon as you're ready. Most clients save thousands in the long run.
Free consultation. No tax returns needed. We compare 40+ lenders and handle everything from application to settlement.
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