Get Approved Without Tax Returns - Using BAS, Bank Statements
or an Accountant Letter
If your tax returns don't reflect what you actually earn, a low doc home loan could be the answer. Sole Trader Finance connects self employed Australians with licensed low doc mortgage specialists who understand business income - and know which lenders say yes.
Low Doc Home Loans Australia
Takes 2 Minutes, No Obligation, No Credit Score Impact, Licensed Brokers Only
Incomplete paperwork?
No stress - Discover our Low Doc
finance options
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What Is a Low Doc Home Loan?
A low doc home loan - short for low documentation home loan - is a mortgage designed for self employed
Australians who can't provide the standard paperwork traditional banks require, usually two years of personal tax
returns and notices of assessment.
Instead, low doc lenders accept alternative income verification, including:
• BAS statements (typically 6–24 months)
• Business bank statements
• An accountant declaration letter
• ABN and GST registration history
• A combination of the above
This means you can apply for a home loan even if your tax returns are outdated, your business income fluctuates,
or your accountant has structured your earnings in a way that minimises tax but doesn't help the bank's calculator.
Who Are Low Doc Home Loans For?
Our broker partners regularly arrange low doc home loans Australia-wide for
Sole traders and freelancers
Recently self employed Australians with 6+ months of ABN activity
Investors using a low doc investment property loan to grow a portfolio
Small business owners and company directors
Self employed applicants declined by a major bank
Self employed first home buyers entering the market
Contractors, consultants and tradies
Borrowers with active ATO debt or a payment arrangement
How You Can Verify Your Income for a Low Doc Home Loan
Low Doc Home Loan with ABN
Apply using your ABN and GST registration history. Some specialist lenders accept ABN holders with as little as 6 months of trading - useful for newly self employed applicants.
Low Doc Home Loan with Accountant Declaration
A signed declaration from your registered accountant confirming your income. One of the simpler routes for established business owners with a long-standing accountant relationship.
Low Doc Home Loan with BAS Statements
Use 6, 12 or 24 months of BAS to verify your business income. This is one of the most common income verification methods for established sole traders and small business owners.
Low Doc Home Loan Without Tax Returns
Multiple lenders in our network can approve a mortgage without tax returns, provided you can verify income through one of the methods above.
Low Doc Home Loan with Bank Statements
Provide 6–12 months of business bank statements showing consistent deposits. This works well when BAS doesn't
capture your full turnover, or when you need a more current view of cash flow.
Types of Low Doc Loans Available Through Our Broker Partners
Low Doc Refinance Australia
Switch lenders, lower your rate, consolidate debt or unlock equity using low doc verification. Particularly useful if your current loan was taken out when your financials looked different.
Low Doc Investment Property Loan
Continue building your portfolio without needing two years of full tax returns. Self employed investors regularly use
low doc loans to expand holdings.
Low Doc First Home Buyer Loan
Enter the property market as a self employed first home buyer. Some government grant schemes can still apply
alongside a low doc loan, depending on your state.
Low Doc ABN Loan
Tailored for ABN holders, including newly self employed applicants who don't yet have lengthy trading history.
Why Choose Sole Trader Finance for Your Low Doc Home Loan
Navigating finance as a self-employed individual or small business owner can be challenging, but our finance partners make it simple. Here’s why their funding solutions stand out:
✔ Specialists, Not Generalists
Our partner brokers are low doc mortgage specialists who work with self employed clients every day. They know
exactly which lenders to approach for your specific situation, saving you time and protecting your credit file from
unnecessary applications.
✔45+ Lenders Compared
Including the specialist non-bank lenders the major banks won't tell you about — often the difference between an
approval and a decline.
✔ No Tax Returns? No Problem
Alternative income verification using BAS, business bank statements or accountant letter, depending on what suits
you.
✔ Faster Than the Banks
Our broker partners typically process low doc home loan applications faster than traditional banks because they
work with lenders built for self employed borrowers.
✔ Declined by a Bank? Let's Talk
A bank decline isn't the end of the road. A large share of our successful low doc applications come from clients who
were turned away by the big four.
Common Situations We Help With
"I haven't lodged my latest tax return yet" — Low doc home loan with BAS or accountant letter
"My tax return shows low income because of business deductions" — Low doc with business bank statements
"I've only had my ABN for 8 months"— Low doc ABN home loan
"My bank declined me for a home loan" — Low doc loan after bank decline
"I have ATO debt or a payment plan" — Specialist low doc lender options available
"I want to refinance but I don't have current financials" — Low doc refinance
Low Doc Home Loan FAQs
Ready to Explore Your Low Doc Home Loan Options?
Submit your details and we'll connect you with a licensed low doc mortgage specialist who understands your
situation. No obligation, no credit score impact - just a clear answer on what's possible.
Takes 2 Minutes , No Obligation, No Credit Score Impact,Licensed Brokers Only