Low Doc Home Loans › What is an accountant letter for a low doc loan?

What is an accountant letter for a low doc loan?

An accountant letter is a signed statement from your registered accountant confirming your income, usually that it is sufficient to service the proposed loan. For many low doc lenders it is a key piece of supporting evidence.

Written by Ross McFarlane, Licensed Mortgage Broker (Credit Representative 526725). About the author

Why this matters

The accountant letter carries weight because it comes from a qualified third party who knows your finances. It bridges the gap when your tax returns are not available or do not show your full income. Not every lender requires one, and the exact wording each lender wants differs, so it is worth confirming the format first.

The key points

A signed income confirmation from your accountant.
Used as third party evidence of your earnings.
Required by many, though not all, low doc lenders.
The wording lenders want can differ.

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Last reviewed: June 2026

General information only. This page provides general information about home loans and is not financial or credit advice, a quote, or a guarantee, and your personal circumstances have not been considered. Lending policies, interest rates, fees and eligibility vary by lender and change over time. Always confirm your own situation with a licensed mortgage broker or lender before acting. Ross McFarlane (Credit Representative 526725) is an authorised Credit Representative of Australian Associated Advisers Pty Ltd t/a Keylend, Australian Credit Licence 392169.