Income evidence that works
BAS statements, accountant's letter, business bank statements - each lender accepts a different mix. We match the documentation you have to the right policy.
← Loan Types
When your tax returns don't tell the full story.
Plenty of self-employed Australians earn well but don't fit the standard two-year-tax-return mould. Low-doc lending uses alternative income evidence - done properly, it's a clean path to a competitive loan.
Who this is built for.
- Recently self-employed (under two years trading)
- Sole traders, contractors and company directors
- Business income up but latest tax return not yet lodged
- Borrowers with strong BAS or accountant-verified income
- Investors expanding portfolios without delaying returns
- Refinancing from an aggressive non-bank back to a mainstream lender
What we do
How we approach this work.
Major and non-bank lenders
Low-doc isn't only for non-bank lenders. Some major and non-bank lenders may have low-doc products using alternative income evidence, with competitive rates subject to current lender policy.
Structure to refinance later
Low-doc can be a stepping stone. We set it up so once tax returns are lodged, refinancing to a full-doc rate is straightforward.
Investment property friendly
Many low-doc products allow investment purchases at competitive LVRs - we use this regularly for clients scaling portfolios.
FAQs
Common questions.
Are low-doc rates much higher?+
Sometimes, but not always. Some major and non-bank lenders may offer low-doc products close to full-doc pricing if you have ABN registration, GST registration and reasonable trading history, subject to current lender policy.
How much deposit do I need for low-doc?+
Usually 20% plus costs to access the best rates. Some lenders will go to 90% LVR with low-doc, but pricing and LMI premium climb quickly above 80%.
Will I be locked into a low-doc loan?+
No. Once you've lodged enough tax returns to meet full-doc rules, we can refinance you across to a sharper full-doc rate - often within 12–24 months.
Next step
Let's chat about your next move.
No pressure, no jargon. We'll listen first, then map out the smartest way forward.