Low Doc Home Loans
for Self-Employed Australians
No full tax returns required. BAS, bank statements, or accountant letter accepted. Access 40+ specialist lenders in one place.
Built for the
Self-Employed
Standard lenders demand 2 years of full tax returns — but many self-employed borrowers have strong cash flow that doesn't show up neatly on paper. Low doc loans fill that gap.
Read the full qualification guide →Find the Right Low Doc Loan
Low Doc Home Loans
Purchase or refinance with 12–24 months BAS or bank statements. Up to 80% LVR.
Learn more →Low Doc Investment
Grow your portfolio without full tax returns. Negative gearing accepted.
Learn more →Low Doc Refinance
Switch to a better rate without standard income verification. Fast assessment.
Learn more →Commercial Low Doc
Office, retail, industrial — low doc options up to $5M. 12 months BAS required.
Learn more →Low Doc vs Full Doc
— Key Differences
Most low doc loans require just one or two of these documents. Our guides break down exactly what each lender accepts.
Compare Requirements →Self-Employed? Protect Your Business & Income
Public liability, professional indemnity, and business insurance from $45/month. Get a quote in 2 minutes — no broker required.
From Application to Settlement
Check Eligibility
Confirm your ABN age, loan purpose, and LVR — takes 5 minutes with our checklist.
Gather Documents
BAS, bank statements, or accountant letter — depending on your situation.
Compare Lenders
We show you which lenders accept your income verification type and offer the best rates.
Apply & Settle
Submit to your chosen lender. Pre-approval typically within 48 hours.
Ready to Find Your Low Doc Loan?
Browse our specialist guides or compare lenders across 40+ options on our panel.