Main menu

Loans without Tax Returns

Don’t Go Straight to the Bank! Give yourself Choice!

Searching for a home loan may not be hard, but understanding all the finer details can be.


Self Employed? No Tax Returns?

Also known as Lo-Doc Loans. These loans are predominantly targeted to self-employed applicants. Sometimes your financial reports and tax returns do not show the full picture, or maybe you have not completed your current returns. Loans can be arranged at very competitive rates without the need to provide tax returns.

In common with all home loan applications, borrowers are generally required to submit a standard loan application. However, instead of providing, say your PAYG statement, the self-employed applicant would provide a verified Business Activity Statement when they apply for a low doc product.

Borrowers can apply for investment or owner-occupied home loans and even small business loans.

A loan-to-value ratio (LVR) of 80 per cent is considered to be standard with these products, though higher amounts may be available through some lenders.

Because of the added risk to the lender in providing this type of loan, be aware that special conditions may apply and low doc borrowers may likely pay a slightly higher rate of interest than a comparable loan to a PAYG applicant.

About Us

At Premier Lending, we are experienced mortgage broking specialists, who are here to help you find the right loan for your situation. We are dedicated to creating personalised mortgage solutions that anticipate and meet the needs of our customers. We are a free, no-obligation service that will empower you to take control of your financial situation.

Recent Tweets

Contact Us


* These fields are required.