Self-employed, trust, partnership, or company director — if your financials don't fit the standard mould, alt-doc lending may be the answer. Less paperwork, more lenders, and someone who actually understands how you earn.
Income Documentation
If you earn well but your paperwork doesn't tell the full story yet, alt-doc lending may open doors that standard applications close. Here's what it looks like in practice.
Can't provide full financial statements or tax returns yet? Alt-doc loans work with what you've got — an accountant's letter, BAS statements, or business bank statements. If your income is real, we'll find a way to show it.
Running your own business shouldn't lock you out of finance. Alt-doc lending is built for sole traders, contractors, company directors, partnerships, trusts, and self-employed borrowers of all structures — who earn well but whose financials don't yet tell the full story.
Nobody likes chasing paperwork. Alt-doc cuts through the documentation pile and gets your application moving — without the mountain of records a full doc application demands.
Alt-doc isn't just for business purposes. Buying a home, refinancing, renovating, consolidating debt, or picking up an investment property — if you need finance and you're self-employed, alt-doc may be the way in.
Income that goes up and down, multiple streams coming in, a mix of business and personal — alt-doc lending is set up to handle the way self-employed people actually earn money.
Alt-doc doesn't stop at home loans. Some lenders extend it to commercial property and SMSF lending — so if you're buying through a fund or need business finance, there may be an alt-doc pathway for that too.
If you regularly work with self-employed clients who need finance, a referral arrangement with Allsorts of Loans could work for both of you. Accountants, financial planners and business advisors — we pay referral fees and make the process simple for your clients.
Talk to Us About Partnering →We Know How Self-Employed Works.
Our no-application-fee offer is extended. Self-employed, sole trader, company director — any loan, any size, direct to us.