Self-employed?
We get loans the banks won't.
No two years of tax returns. No endless paperwork. If you run your own business, contract, or earn an unconventional income, we can get your home loan across the line — often with just an accountant's letter or your latest figures.
Indicative answer in as little as one business day
The banks have a box. Most good borrowers don't fit it.
A clean credit file and a strong business still get knocked back every day — usually because the paperwork doesn't tick a tidy two-year box. If any of these are you, there's a very good chance we can help.
Self-employed & sole traders
Newer ABN or your tax returns don't reflect what you really earn? We work with your latest position, not last year's.
Company directors
We can often use your director's wage without needing full company financials drawn up.
Expats & overseas income
Living or working abroad? We can use most of your international income to support an Australian purchase.
Gig & rental income
Uber, Airbnb, rideshare, short-stay or rent-reliant income can all count towards your application.
A blemish or ATO debt
A small past default or a tax debt doesn't automatically rule you out — there are still real options.
Stuck on a reverting rate
Coming off a fixed rate and told you "no longer service"? We can often refinance like-for-like without re-proving income.
Low doc, the way it should be.
"Low doc" doesn't mean dodgy and it doesn't mean a mountain of forms. It means we can verify your income in sensible, real-world ways — and get on with it.
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Two BAS statements can be enoughWe annualise your business turnover, use 40% of it as income to service the loan, and can lend up to 80% of the property value — no tax returns needed.
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An accountant's letterA signed declaration from your accountant can confirm your income instead of full financials.
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Interim or non-lodged financialsReturns not lodged yet? We can work with interim figures rather than making you wait.
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Just one year's figuresOne year of financials can be plenty — not the two full years the banks insist on.
Earning overseas? It still counts.
If you're an Australian living or working abroad — or returning home — we can use most of your foreign income to support your loan, so being offshore doesn't mean missing out on the property market here.
Most foreign income types considered — salaried, self-employed and rental — across a wide range of countries.
Plenty of non-banks add a "risk fee" on low doc loans. This one doesn't — so you're not paying a premium just for being self-employed.
Four lenders said it didn't work. We found the one that did.
A self-employed couple wanted to borrow around $1M. On the majors' calculators, every option came back with a monthly shortfall — declined. With the right low doc structure, the same couple cleared the line comfortably, with surplus to spare.
Illustration based on a real client outcome. Individual results depend on your circumstances and the lender's assessment — not every scenario will fit, but many that the majors decline absolutely do.
Everyday features, not a last-resort product.
Getting approved on low doc shouldn't mean giving up the things that make a home loan work for you. This one comes fully equipped.
An award-winning lending desk that does this every day.
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Three steps, and we do the heavy lifting.
Tell us your situation
A quick, no-obligation chat about your income, your goals and what's tripped you up so far.
We match the right path
We pinpoint the cleanest way to evidence your income and the lender most likely to say yes.
Across the line
We package it properly and manage it through to settlement — keeping you posted the whole way.
Low doc, answered plainly.
Can I get a home loan with just one year's figures or an accountant's letter?+
Often, yes. Depending on your situation we can verify income with a signed accountant's declaration, one year of financials, or your recent BAS statements — rather than the two full years of tax returns the major banks usually demand. The right evidence depends on your circumstances, and we'll tell you the simplest option for you.
I'm an expat earning overseas — can you use my foreign income?+
Yes. For Australians living or working abroad, we can use most of your international income to support a purchase or refinance here. It's one of the most common scenarios we place that the big banks struggle with.
I've got a small default or an ATO debt — am I out?+
Not necessarily. A small, older paid default doesn't automatically stop you, and there are products that can accommodate a tax debt. It's worth a conversation before you assume the answer is no.
I've only had my ABN for a few months. Too soon?+
Possibly not. With relevant prior industry experience, borrowers who are newly self-employed can still qualify under the right low doc option. Here's how a 1-year ABN can still get a loan in 2026.
Will the interest rate be much higher?+
Low doc rates can sit a little above standard full doc rates because of how income is verified — but the gap is often smaller than people expect, and you can refinance to a sharper full doc rate later as your figures catch up. We'll always show you the real numbers for your scenario before you commit.
Is there a risk fee on low doc loans?+
No. Unlike many non-bank low doc products, there's no low doc risk fee here — so you're not paying an extra premium simply because your income is verified differently.
Can I get cash out, or refinance a private lender, on low doc?+
Yes. Cash out is available on low doc, and we regularly refinance borrowers out of expensive private or caveat loans back into a mainstream product. Company, trust and trading company borrowers are all fine too.
What exactly is a low doc home loan?+
A low documentation (low doc) loan is a home loan designed for borrowers who can't easily provide the standard full set of income paperwork — typically the self-employed. Instead of two years of tax returns, income is confirmed through alternative evidence such as an accountant's letter, BAS statements or interim financials.
Find out what you can do — in one quick chat.
Have a chat with one of our low doc specialists and get a clear, honest read on your options. No obligation, no jargon.
- A real answer, often within one business day
- Specialists who place complex deals daily
- Your own credit licence & lending desk behind you
Talk to a low doc specialist
Tell us your situation and we'll come back to you with your options.
Request a call back → 1800 705 505Call us — Mon to Fri, business hours info@greenlinehomeloans.com.auEmail our teamGeneral information only — not credit assistance or a recommendation.