What You’ll Need
Employees
- Payslips (usually last three)
- Group certificate or tax return
Self-Employed Borrowers
- Tax returns (two years preferred)
- Profit & Loss statements
- Balance sheets
Everyone
- 100-point ID (driver’s licence, passport, birth certificate)
- Bank statements or evidence of savings
- Current mortgage statements or rental history
- Contract of sale (for property purchases)
Don’t Have Everything? That’s Where We Come In
Life isn’t always full doc. We specialise in low doc and alternative documentation loans where lenders accept BAS statements, accountant’s letters, or bank statements as substitutes for traditional paperwork.
If you’ve been rejected because your income is seasonal, irregular, or structured differently — we’ll explore the lenders who understand that reality.
Our Role in Your Application
- We assess your situation honestly — no sugar coating.
- We identify weak spots and workarounds.
- We present your case to lenders who deal in non-conforming finance every day.
- We stay with you until approval and settlement.