Low Doc Home Loans › What is an income declaration for a low doc loan?

What is an income declaration for a low doc loan?

An income declaration is a signed statement where you declare your income to the lender. It must be honest and reasonable, and lenders usually back it up with supporting evidence such as BAS, bank statements, or an accountant letter.

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

Why this matters

The declaration is your formal statement of earnings, and lenders take its accuracy seriously, it must reflect income you can genuinely demonstrate. It rarely stands alone now, supporting documents are normally required alongside it. Declaring an income you cannot support is a serious problem, so the figure should be realistic and evidenced.

The key points

A signed statement of your income to the lender.
It must be honest and reasonable.
Usually backed by BAS, statements or an accountant letter.
The figure should be one you can genuinely support.

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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.