Low Doc Solutions
Alternative Lending
Flexible Finance for Self-Employed Borrowers
At Sun & Co Finance Solutions, we help self-employed borrowers, contractors and business owners explore finance options when traditional income documentation may not reflect their financial position.
Depending on the lender and your circumstances, alternative income verification may include BAS statements, business bank statements or an accountant’s declaration. We can help assess your situation, compare suitable lenders and structure a lending solution for purchasing, refinancing or investing.
What Are Low Doc Solutions?
Low doc solutions are designed for self-employed borrowers, business owners and investors who may not have the standard income documentation required by traditional lenders.
Instead of relying solely on payslips or recent tax returns, some lenders may consider alternative forms of income verification, depending on the borrower and loan type. These may include:
• Business Activity Statements (BAS)
• Business bank statements
• Accountant’s declarations
• ABN and GST registration history
• Other supporting financial information
Low doc solutions may be available for purchasing or refinancing residential and investment property, as well as certain business and property-related funding needs.
At Sun & Co Finance Solutions, we assess your circumstances and help identify suitable lending options from lenders that accommodate alternative income verification.
Key Features of Low Doc Solutions
Alternative Income Verification
Designed for Self-Employed Borrowers
Flexible Loan Purposes
Access to Specialist Lenders
Benefits of Low Doc Solutions
More Flexible Income Assessment
- Alternative income evidence may be considered
- Options may include BAS or business bank statements
- Suitable for different self-employed income structures
More Finance Options for Self-Employed Borrowers
- Options for purchasing or refinancing property
- Solutions for owner-occupiers and investors
- Access to specialist and non-bank lenders
Solutions Matched to Your Circumstances
- We assess your income and financial position
- Compare suitable options across our lender panel
- Structure finance around your needs and objectives
Note: Lending options, eligibility and documentation requirements vary between lenders and are subject to lender assessment and approval.
What to Consider with Low Doc Solutions
Low doc solutions can offer greater flexibility, but the way income is assessed and lending criteria can vary significantly between lenders.
Your Latest Tax Returns May Not Tell the Whole Story
Alternative documentation can help provide a more current picture of your business income.
Different Lenders Assess Self-Employed Income Differently
BAS, business bank statements or an accountant’s declaration may be considered.
Lending Criteria, Rates & Fees Vary
Loan limits, pricing, fees and requirements vary depending on the lenders.
Note: Low doc lending criteria, acceptable income evidence, rates, fees and loan limits vary between lenders and are subject to individual assessment and approval.
Your Income Doesn't Always Fit a Standard Lending Box
If you’re self-employed, a business owner or investor, traditional income documents may not fully reflect your financial position.
Speak with Sun & Co Finance Solutions to explore lending options that consider alternative ways of verifying your income and your individual circumstances.