Self-Employed & Low Doc Lending Specialists
Getting a home loan when you're self-employed shouldn't be hard. We match ABN holders, sole traders and business owners with lenders who understand your income — including low doc options with no tax returns.
Banks often penalise self-employed borrowers with rigid income requirements. If your taxable income is reduced by legitimate deductions, many lenders simply say no. That's where we come in.
We work with lenders who accept BAS statements, accountant declarations, and tax returns — not just payslips.
Access major banks, non-banks, and specialist self-employed lenders to find the most competitive deal.
Sole traders, partnerships, trusts, and company structures — we've helped them all secure home loans.
Most self-employed pre-approvals processed within 24–48 hours so you can bid with confidence.
We learn about your business structure, income, and property goals — no obligation.
We review your financials and identify which lenders best suit your self-employed situation.
We compare rates and policies across 40+ lenders and present your best options.
We handle the paperwork, chase the lender, and keep you updated until settlement day.
Low Documentation Lending
No tax returns? No problem.
A low doc loan is designed for self-employed Australians who don't have the traditional paperwork banks typically require.
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.
95%
Max LVR available
48hr
Pre-approval turnaround
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 obligation · Compare 40+ lenders
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