Low Doc Home Loans › Can I use bank statements to get a home loan?

Can I use bank statements to get a home loan?

Yes, under some low doc programs. Several months of business bank statements can be used to demonstrate consistent income and cash flow, either on their own or alongside an accountant letter or BAS, depending on the lender.

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

Why this matters

Bank statements show real money moving through the business, which some lenders weight heavily for low doc applications. Steady deposits that match your stated income strengthen the case. As always, lenders differ on how many months they want and whether statements alone are enough, so matching to the right program matters.

The key points

Business bank statements can evidence cash flow.
Often several months are required.
Used alone or with BAS or an accountant letter.
Lender requirements on this vary.

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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.