Low documentation loans give self-employed borrowers, contractors, and investors access to finance when standard income documents aren't available or don't reflect true income.
Use your last 12 months of BAS statements to evidence income. Ideal for GST-registered sole traders and companies. No tax returns needed — lenders calculate income from GST turnover.
12–24 months of business bank statements used to calculate average monthly deposits. One of the most flexible income verification methods for borrowers with complex financials.
A signed letter from your accountant confirming your income. Combined with 12 months of bank statements, this satisfies many lenders' low-doc requirements.
Specifically designed for ABN holders who've been in business for 1–2+ years but whose tax returns are lodged late, show low taxable income due to write-offs, or don't reflect true earning capacity.
Low doc options extend to investment property purchases — useful for investors with complex income structures across multiple entities or properties.
Alternative documentation (alt-doc) sits between full-doc and low-doc. Many borrowers who think they need low-doc actually qualify for alt-doc — at better rates. We identify the right pathway.
We review your income documentation — BAS, bank statements, accountant letter — and identify which pathway gives you the best outcome.
Low doc policy varies enormously by lender. We know which specialist lenders assess self-employed income most fairly and offer the best rates.
Low doc applications require precise preparation. We frame your income correctly and ensure the supporting documents satisfy the lender's requirements.
With the right lender and right documentation, low doc loans can be approved in similar timeframes to standard applications.
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