Low documentation lending
Self-Employed? Your Income Still Counts
When your tax returns are late or don’t reflect what you really earn, low doc loans let lenders assess income from BAS, bank statements or an accountant’s letter instead.
Quick estimate
How Much Could You Borrow on Low Doc?
Estimate only. Uses a simplified serviceability multiple of declared income and an 80% LVR cap. Actual lending depends on lender policy and full assessment.
Indicative maximum loan$880,000Capped by an 80% LVR on the property value.
Confirm With a Strategy Call →Is it right for you?
Low Doc Suits You If…
✓You’re self-employed, a contractor or a company director
✓Your latest tax returns aren’t lodged yet
✓Your business has grown since your last return
✓Write-offs make your taxable income look lower
✓You’ve been told no by a bank because of paperwork
How it works
How Lenders Verify Your Income
Instead of two years of tax returns, low doc lenders accept other evidence.
BASBusiness activity statementsUsually 6–12 months of BAS to show turnover.
BankBusiness bank statementsDeposits over 6–12 months show real cash flow.
LetterAccountant’s declarationYour accountant confirms your income and ability to repay.
80%LVR limitsDeposits are usually higher than full doc, typically 20% or more.
The process
Getting Approved Without Full Financials
01
Income reviewWe look at how you earn and what documents you have.02
Lender matchSpecialist and non-bank lenders that suit your profile.03
ApplicationPrepared around the documents you can provide.04
Refinance laterMove to a full doc rate once your returns catch up.Usually slightly, because the lender takes on more risk. Many clients refinance to a standard rate once their tax returns are lodged.