Low Doc Check
For sole traders, tradies & business owners

Self-employed? Find the lenders that fit your paperwork.

Banks want two years of tax returns. Some accept 18 months of ABN or one year of financials, and specialist lenders offer alt-doc loans on BAS or an accountant’s letter. See which rules you fit today. 92 lenders checked.

Check my readiness See an example report
  • ✓Full-doc & alt-doc
  • ✓ABN-age rules
  • ✓No credit check
  • ✓Free

Example readiness report

Fits the published rules of 12 of 92 lenders.

Borrowing power ~$927k · LVR 80%

  • Lender 66Meets rules100%rules met

    No blockers found.

  • Lender 49Meets rules100%rules met

    No blockers found.

  • Lender 78Close91%rules met

    20 months trading on your ABN is below the 24-month minimum — you’d meet this rule in about 4 months.

  • Lender 32Close91%rules met

    20 months trading on your ABN is below the 24-month minimum — you’d meet this rule in about 4 months.

Explore the full example →

Your bank’s “no” might just mean wrong lender.

ABN age

Minimums range from 6 months (alt-doc) to 2 years — we check each lender’s published rule against yours.

Documents

Two years of returns, one year, or BAS and bank statements — each path has different lenders and LVR limits.

What if

See how lodging this year’s return, or a bigger deposit, changes your options.

Three steps to clarity

  1. 1

    Tell us your situation

    One question at a time: work, money, the home you want. Ballparks are fine — no documents.

  2. 2

    We run the numbers

    Income shading, a 3% stress test, living-cost benchmarks, LVR, stamp duty and scheme rules — for each lender.

  3. 3

    Walk in prepared

    See your result instantly. Share it with a broker only if and when you want to.

Start — it takes 5 minutes

Guides

Use it in your AI assistant

Ask Claude, ChatGPT, Gemini, Perplexity or Cursor to run this check for you. Our free MCP server gives them the same rules engine: lender fit, borrowing power, 2026–27 stamp duty and grants, the 5% Deposit Scheme and live rates. No sign-in, and nothing is shared with a broker unless you say so in the chat.

Set it up in 1 minute →

Questions

Is it really free?

Yes. The check, the report and the what-if tools are free, with no sign-up. If you choose to talk to us about a loan and go ahead, the lender pays us commission (set out in our Credit Guide). You never pay us a fee.

What is an alt-doc (low-doc) loan?

A home loan for the self-employed that verifies income with BAS, business bank statements or an accountant’s letter instead of tax returns. They usually have a lower maximum LVR and a higher rate.

Which lenders do you check?

92 in total: 88 Australian banks and lenders — majors, customer-owned banks, online lenders and more — using the rates, LVR limits and residency rules they publish through Open Banking (data as of 27 Oct 2026), 2 non-bank lenders from their own published rate sheets, and 2 modelled specialist lenders. Rules lenders don’t publish, like time in job, are typical settings for each type of lender.

Will this affect my credit score?

No. We don’t run a credit check.

What happens to my answers?

They stay in your browser until you choose to share them with the broker.