Finance · Australia
Low-Doc Loans Australia — Self-Employed Finance
Lo-doc and alt-doc home, commercial and business loans for self-employed Australians without full financials.
Quick answer
Low-doc (lo-doc) loans verify income with BAS statements, accountant's letter, or recent business bank statements instead of full tax returns. OzyLoans arranges lo-doc home, commercial and business loans across banks, non-banks and private capital, with alt-doc verification and up to 80% LVR (subject to lender and scenario).
Why Low-Doc Loans with OzyLoans
- BAS or accountant's letter verification
- Bank statement loans
- Up to 80% LVR
- Self-employed & contractor friendly
Repayment calculator
Indicative only. Actual repayments depend on lender, credit profile, fees and product. Use this as a starting point — we'll provide a precise comparison on enquiry.
Funding classes
| Funding class | Typical use | Indicative speed |
|---|---|---|
| Major bank | Lower-cost long-term debt where policy and servicing fit | Typically several weeks |
| Second-tier bank | Broader credit appetite than some major banks | Often a few weeks |
| Non-bank | Flexible servicing and property assessment | Often faster than banks |
| Private credit | Speed and flexibility for complex or time-critical scenarios | Can move quickly, subject to due diligence |
General guidance only — not current pricing or a lender offer. Actual rates, leverage, documentation and timeframes vary by lender, security, borrower profile and transaction, and are confirmed on assessment.
ACL #485752
Australian Credit Licence holder, AFCA member.
24-hr indicative
Most enquiries get a same-day or next-day answer.
Banks, non-banks & private
Banks, non-banks and private credit on one panel.
Frequently asked
What is a low-doc loan?+
A low-doc loan is for borrowers who can't supply two years of personal tax returns — typically self-employed. Income is verified via BAS statements, accountant's letter, or business bank statements.
What documents do I need?+
Most lenders accept: 12 months of business activity statements (BAS), 6–12 months of business bank statements, or an accountant's letter declaring income.
Are lo-doc rates higher?+
Yes — typically 0.25–0.75% above prime full-doc rates because the income verification is lighter. Alt-doc rates from major non-bank lenders are now very close to bank rates.
Related finance
Ready to explore low-doc loans?
Our finance professionals review your requirements and objectives and discuss the options worth pursuing with you.