Your Local Brokers Baseline Finance
Your Local Brokers Baseline Finance
Commercial property finance isn’t one-size-fits-all — and for many self-employed borrowers or small business owners, traditional documentation can be a hurdle. Enter the Low Doc Loan.
Low Doc (Low Documentation) Loans are designed for borrowers who don’t have access to standard income verification documents like recent tax returns or full financials. Instead, lenders accept alternative documentation like BAS statements, business bank statements, or an accountant’s declaration.
These loans are particularly useful for:
Documentation Required
BAS, business bank statements, or accountant declaration
Maximum LVR
Typically up to 60–70% (sometimes higher with mortgage insurance or added risk fees)
Loan Sizes
Often up to $2M, though specialist lenders may offer more
Term
1–30 years (shorter terms with private lenders)
Interest Rates
Generally higher than Full Doc loans
Security Accepted
Residential or commercial properties, including mixed-use
Assessment Criteria
Based on declared income and alternative supporting docs
While you won’t need tax returns, you’ll still need to provide alternative proof of income. Lenders commonly accept:
✅ Faster loan processing rates
❌ Higher interest rates
✅ Less paperwork
❌ Lower maximum LVRs
✅ Available without recent tax returns
❌ Fewer mainstream lender options
✅ Flexible documentation options
❌ Risk fees may apply
✅ Good fit for asset-rich borrowers
❌Limited features (e.g. no redraw/offset)
The borrower has substantial equity but limited income verification
Tax returns are delayed due to complex structures
Speed is critical (e.g. private sales or refinancing)
Income is spread across entities (trusts, SMSFs, companies)
Type
Documentation Required
Risk to Lender
Typical LVR
Interest Rate
Full Doc
Full financials & income
Low
Medium
Up to 65%
High
At Baseline Finance, we specialise in finding flexible solutions for commercial borrowers — whether you’re fully documented or not.
The information provided on this site is on the understanding that it is for illustrative and discussion purposes only. Whilst all care and attention is taken in its preparation any party seeking to rely on its content or otherwise should make their own enquiries and research to ensure its relevance to your specific personal and business requirements and circumstances. Terms, conditions, fees and charges may apply. Normal lending criteria apply. Rates subject to change. Approved applicants only.
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