Alt doc loans

BNK’s alt doc loans offer flexible loan solutions for self-employed borrowers and small business owners who may not have traditional income documentation.

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Overview

Instead of relying on tax returns or standard payslips, applicants for alt doc loans can verify their income using alternative documents such as business activity statements, accountant declarations, or business bank statements. This flexible approach helps support borrowers with strong cash flow but more complex or irregular financial records.

At BNK, our alt doc loans offer competitive rates, flexible terms, and personalised support to help you secure the finance you need. We understand that not every borrower fits the standard lending box, and our tailored assessment process is built to recognise the financial strength behind your business.

Features

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Alternative income verification

Use BAS statements, business bank statements, or an accountant’s declaration instead of traditional payslips or tax returns.
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Tailored for self-employed borrowers

Designed to suit business owners and contractors with non-standard income streams.
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Competitive interest rates

Enjoy rates that reward strong financial performance, even without full documentation.
Flexible Terms

Flexible loan purposes

Suitable for business-related purchases, home loans, refinancing, or accessing equity for business use.
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Choice of loan options

Access features like interest offset and redraw facilities (subject to eligibility).
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Fast, streamlined approval process

Simplified documentation means quicker assessments and faster decisions.

Finance that works for self-employed borrowers

Whether you’re ready to apply or just exploring your options, our team is here to help.
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Helpful information

Terms and conditions

Terms and conditions that apply to our loan products, including details on eligibility, fees, and repayments.
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Serviceability calculators

Use our calculators to estimate how much you may be able to borrow and what your repayments could look like.
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Credit guide

Find out what’s included in our Credit Guide and how it helps you understand our lending process.
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Things you should know

Applications are subject to credit approval and Loan Terms and Conditions which are available here.

References to “LVR” mean Loan to Value Ratio which is calculated by dividing the loan amount by the value of the property (as determined by us). There may be a difference between the purchase price and the value of the property.

Comparison Rates provided include the interest rate and most standard fees and charges that must be paid over the life of the loan and  are calculated on a loan amount of $150,000 for a term of 25 years based on monthly repayments. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

Information provided is general only and does not take into account your personal objectives, financial situation, or needs. Any rates advertised are current as at the date indicated and are subject to change. Eligibility criteria, fees, and charges may apply. You should seek independent advice and read the relevant terms and conditions and product documents.