Low Doc Home Loans › Can I use BAS statements for a low doc loan?

Can I use BAS statements for a low doc loan?

Yes. Business activity statements are a widely accepted form of low doc income evidence. Lenders use your reported turnover from recent BAS, often the last few quarters, to assess your income and ability to repay.

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

Why this matters

BAS are useful because they are lodged with the ATO, so they are harder to dispute than a self declaration alone. Recent, consistent BAS that show healthy turnover can make a strong low doc case. They are often combined with bank statements or an accountant letter to give the lender a fuller picture.

The key points

BAS are a widely accepted low doc income proof.
Lenders use reported turnover, often recent quarters.
Lodged with the ATO, so they carry credibility.
Often combined with other supporting evidence.

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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.