Low Doc Home Loans › What documents do you need for a low doc loan?

What documents do you need for a low doc loan?

It varies by lender, but common low doc evidence includes an income declaration, an accountant letter confirming your income, recent BAS, or several months of business bank statements. Most lenders want at least one or two of these.

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

Why this matters

Low doc is lighter on paperwork, not free of it. Lenders still need reasonable confidence in your income, so they ask for one or more forms of supporting proof. Knowing which combination your chosen lender accepts before you apply avoids back and forth and speeds up approval.

The key points

An income declaration stating your earnings.
An accountant letter confirming income.
Recent BAS lodged with the ATO.
Several months of business bank statements.

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What is your goal?

Buy a home or investment property First home, next home, or adding to your portfolio Build a house or develop land New build, renovation, duplex, or subdivision project Lower my current repayments Better rate, release equity, or restructure existing debt Finance an established commercial property Business premises or commercial investment asset

Tell us a bit more about the plan

How do you earn your income?

Standard salary or wage Full-time, part-time, or casual employment (PAYG) Self-employed or business owner Sole trader, company director, or contractor

How is your credit score?

This helps us match you to the right lender from the start.

Healthy No issues that I am aware of A few small marks A couple of late payments, now caught up Not sure, or it is complicated We work with specialist lenders for these situations

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More low doc home loans questions

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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.