Lo Doc Home Loans.
You're self-employed. The income is real - your tax return just doesn't show it the way a bank wants. Lo doc home loans use BAS, bank statements or an accountant's declaration instead of payslips. We shop 60+ lenders for the rate that fits.
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Won't affect your credit score.
What can we help you with?
How It Works
Less paperwork. Same path to homeownership.
A lo doc home loan verifies income through Business Activity Statements (BAS), bank statements or an accountant's declaration - not payslips and tax returns. Built for borrowers whose money is real but whose paperwork isn't standard.
We're business owners too, so we know the drill. First home, upgrade or investment property - we find the lender who reads your income the way it deserves to be read.
Payslips Not Required
Verify income with BAS, bank statements or an accountant's declaration - not two years of tax returns.
Structured Around Your Income
Owner-occupied, investment, purchase or refinance - the loan gets built around how your income actually arrives.
The Lo Doc Premium, Minimised
Lo doc rates vary widely between lenders. We shop 60+ of them so less paperwork doesn't cost you more than it should.
Approved in 24-48 Hours
Most straightforward lo doc applications are approved in 24-48 hours. We keep the file moving so you can move on the property.
Who It's For
Lo doc home loans - who they're designed for
Lo doc loans exist for Australians whose income is real - but whose paperwork doesn't fit the standard mould.
Self-Employed Business Owners
No payslips, but the income shows in your business accounts, BAS or accountant's sign-off. That's enough.
Freelancers & Contractors
Project income and short contracts don't fit a bank's checklist. Lo doc lenders assess what you actually earn.
Property Investors
Grow the portfolio without producing full income disclosure for every new purchase.
Seasonal Workers
Income that spikes and dips fails standard serviceability tests. Lo doc lenders read the whole year, not one payslip.
Run The Numbers
Calculate your lo doc home loan repayments
Enter your loan details
Estimated repayment
$4,195.29 / month
No impact to your credit score
Estimates only, based on the example rate and the figures you enter. Assumes a fixed-rate principal & interest loan over the full term. Your actual rate, structure and repayments will depend on your circumstances and the lender, so get in touch for a tailored quote.
Key Benefits
Why self-employed Australians choose lo doc home loans
A Yes Where Banks Said No
Turned away over paperwork, not income? Lo doc loans put the purchase back on the table.
Offset, Redraw, Fixed or Variable
All the features of a standard home loan - without the standard paperwork.
Less Paperwork, Faster Funding
Fewer documents to verify means quicker approval and quicker settlement.
The Property You'd Otherwise Miss
A home or investment property that standard lending criteria would have kept out of reach.
No Penalty for Self-Employment
Your income is judged on its strength, not its format. What you earn matters, not how you earn it.
A Rate Shopped, Not Quoted
Walk into one bank and you get one number. We come back with the sharpest lo doc rate on a 60+ lender panel.
Why Co-Pilot
Why Co-Pilot - not just any lo doc broker
We Do Lo Doc Every Week
Non-standard income is our normal. We know which lenders suit which profiles - and how to present yours.
Every Structure Covered
Owner-occupier, investor, purchase or refinance - residential and commercial.
Competitive Rates via 60+ Lenders
Not just the lenders with the easiest approvals - the ones with the best terms for your profile.
No Surprises in the Fine Print
We explain exactly what you're signing before you sign it.
Fast Turnaround
We chase the lender so you don't have to. Your file keeps moving.
We Know Which Lenders Say Yes
Acceptable income types and LVR limits vary wildly across the panel. We match your profile to the lender most likely to approve it.
Eligibility
Lo doc home loan eligibility - most self-employed Australians already qualify
Lo doc loans have fewer requirements than standard loans - but lenders still need to be satisfied that you can service the debt. Here's what most look for.
- Active ABN registered for at least 12-24 months (varies by lender)
- Alternative income evidence: BAS, bank statements, or accountant's declaration
- Minimum 20% deposit (or 40% for some specialist lenders)
- Clean or manageable credit history
- Property in an acceptable location and condition per lender guidelines
Every situation is different. Talk to us - we've found lo doc loans for borrowers in all kinds of circumstances.
Not sure if you qualify?
Tell us your situation and we'll give you an honest read on your options - no obligation, no credit check just to have a conversation.
Hear What Our Clients Are Saying
“I had a great experience working with Sarah. She was incredibly helpful throughout the entire car loan process. She explained everything clearly, kept me updated at every stage, and made the whole experience smooth and stress-free. Her professionalism, patience, and excellent customer service were truly appreciated. I highly recommend Sarah to anyone looking for assistance with car finance. Thank you for all your help!”
sevine.c Varghese
FAQ
Common Questions About Lo Doc Home Loans
Ready to buy property on your terms? Let's find your lo doc loan.
Tell us how you earn and what you're buying. We'll come back with real lo doc options from 60+ lenders - most within 48 hours.
No impact to your credit score