Low Doc / Alt Doc Home Loans
Low Doc and Alt Doc home loans are designed for self-employed borrowers, business owners and contractors who can afford the loan but need more flexible income verification. Using documents such as BAS, accountant declarations and business bank statements, these loans provide a practical path to finance.
The term "no doc" is largely outdated, in the current Australian market, Alt Doc is the standard and responsible approach for non-standard income verification. Your income is still assessed; it's just verified differently.
Up to 80%
LVR (standard Alt Doc)
12 months
Min. self-employment (some lenders)
80+
Lenders compared
3 docs
Typical documentation required
Accepted income documentation
Different lenders accept different combinations of documents. Your broker identifies which lender matches your documentation type and situation.
Business Activity Statements (BAS)
Typically 12–24 months of registered BAS lodged with the ATO, showing consistent business revenue.
Accountant's Declaration
A letter from your registered accountant confirming your income, business activity and financial position.
Business Bank Statements
12–24 months of business account statements showing cash flow and income deposits.
Self-Certified Income Declaration
A signed declaration of your income, accepted by some Alt Doc lenders alongside supporting evidence.
Notice of Assessment (NOA)
ATO Notices of Assessment for recent tax years, used to support income where available.
Key benefits
Flexible income verification
BAS, bank statements and accountant declarations replace the standard payslip and full tax return requirement.
Real income, fairly assessed
Self-employed income is often under-reported in tax returns. Alt Doc lending assesses your true cash flow.
Access mainstream products
Many Alt Doc loans offer competitive rates, offset accounts and redraw, not just high-rate niche products.
A note on "No Doc" loans: True no-documentation lending is not a standard consumer home loan product in Australia. We position Alt Doc honestly, your income is verified, just with more flexible documentation.
How we structure your Alt Doc application
A five-step process tailored to self-employed borrowers.
Assess your income
We review your business income, BAS, bank statements and available documentation to understand your true borrowing position.
Select the right lender
We identify lenders whose Alt Doc policy fits your documentation type, loan size and LVR requirements.
Prepare your docs
We provide a clear checklist, typically BAS, bank statements and accountant declaration, and help you collate everything.
Apply & manage
We submit your application, manage lender queries and keep you updated through assessment and approval.
Settle & move forward
Your loan settles on competitive terms. We remain your broker for future refinances, top-ups or investment purchases.
Free Alt Doc assessment for self-employed borrowers
We understand how self-employed income works, and we know which lenders will assess it fairly. Get a free assessment today.
- ✓BAS, bank statements & accountant declarations accepted
- ✓Compare 80+ lenders, including major banks with Alt Doc products
- ✓No payslip or full tax return required
- ✓FBAA-accredited broker guidance throughout
- ✓Free initial assessment, no obligation
Alt Doc loan FAQs
Common questions from self-employed borrowers exploring Alt Doc lending.
Your income is real, let's prove it the right way
Self-employed borrowers deserve fair access to home finance. Our FBAA-accredited brokers know how to present your file to the right lender. Talk to us today, free and no obligation.
Subject to lender credit assessment. Alt Doc loans are assessed on ability to repay. Secure Finance Services Pty Ltd ACL 465059.