HOME LOANS FOR DIFFERENT INCOME
Low doc home loans.
Same big dreams.
Running a business should not mean putting your home plans on hold. Explore what alternative income verification could look like with a broker partner, from Melbourne to anywhere in Australia.
Explore my home loan options →
What is a low doc home loan?
A low doc home loan uses alternative evidence to assess income when standard payslips or the usual tax documents do not tell the full story. It still involves documents, checks and a lender assessment. Low doc does not mean no doc, automatic approval or a loan without proving you can repay it.
Which income documents might be considered?
Depending on the lender and your circumstances, a broker may discuss BAS, business bank statements, accountant information or other supporting records. Requirements vary. Having an ABN alone is not enough to establish eligibility, and there is no single document list that suits every borrower.
Look beyond the headline interest rate.
Compare the interest rate, comparison rate where available, application and ongoing fees, deposit or equity requirements, loan features and the overall cost. Alternative documentation products can have different pricing and conditions. Ask what evidence is needed and how the lender will assess your ability to repay.
Who might want to explore this pathway?
Sole traders, contractors and business owners whose income is not captured by regular employee payslips may want to discuss their options. A full documentation loan may still be available and worth comparing. Your broker can explain the differences without assuming a low doc product is the right fit.
Your next step is a conversation.
Start with a few contact details and your home loan goal. Sole Trader Finance is a referral service, not a lender. We will ask your permission before sharing your enquiry with a broker partner. No financial documents are needed in the initial form.
Questions worth asking your broker
Which income records will the lender accept? What will the loan cost over my intended term? Are offset or redraw features available? Are there limits on extra repayments? What fees apply if I refinance or repay early?
General information only. This page does not assess your eligibility or recommend a loan. Loan availability, rates, fees and terms depend on your circumstances and lender criteria.
Also explore: Self-employed home loans · Refinancing · Buying a home