Self-Employed Loans Without Full Tax Returns.
Self-employed Australians, company directors, and sole traders often have robust business cash flow that isn't reflected on standard tax returns. Our Alt-Doc, Low-Doc, and Lease-Doc loans allow you to verify your true income using bank statements, BAS, or an accountant declaration.
Sole Traders & Directors
Tailored income verification for business owners, partnerships, and company directors.
Alt-Doc & BAS Options
Use 6–12 months of trading bank statements, BAS statements, or accountant letters.
Lease-Doc Commercial
Fund commercial property acquisitions using lease rental income to cover servicing.
Refinance & Cash-Out
Consolidate business debts or release equity for expansion without tax returns.
Income Verification Methods Accepted
- 12 Months Business or Personal Bank Statements
- Business Activity Statements (BAS) for the past 4 quarters
- Accountant Declaration / Accountant Letter of solvency & turnover
- Commercial Lease Agreements (for Lease-Doc commercial property loans)
- Valid ABN & GST registration details (minimum 6-12 months trading)
- Residential & Commercial property purchases or refinancing from $300,000
Why Self-Employed Borrowers Choose Us
Major banks automatically decline complex self-employed scenarios. We work with specialized non-bank lenders and credit-flexible panel banks to structure your loan based on real trading performance.
*Rates subject to lender credit criteria, document type, and LVR requirements.
Request Your Self-Employed Scenario Review
Speak directly with Principal Broker James Janai. We'll evaluate your trading income, bank statements, or BAS and map out your optimal low-doc borrowing options.