Different income. A considered approach.
Every self-employed situation is different.
We help you understand how your income may be reviewed, discuss the evidence you have and explore suitable lending pathways.
Understand your income
Explore how your business income may be reviewed. We start with your industry, trading history and how you are paid to understand the information that may help.
Discuss available evidence
Consider the business and financial information that may support your situation. The documents accepted depend on the lender and the type of loan.
Review suitable pathways
Look at options that fit your circumstances and goals. We compare the available pathways, costs and requirements before you decide on the next step.
Low doc means different evidence. Not no evidence.
Start with the information you have.
Alternative income evidence may support an assessment when traditional documents are not available. Requirements vary by lender and your circumstances.
Your business snapshot
Explain how your business works.
We discuss your activity, industry, trading history and overall financial position to put your income into context.
Supporting information
Review the evidence available.
Business bank statements, invoices, tax records or an accountant’s letter may be relevant. We explain which documents a lender may accept for your situation.
Lender assessment
Compare the whole picture.
Each lender has its own criteria. We review income, expenses, commitments and the proposed loan alongside rates, fees and features. Approval remains subject to assessment.
A CLEARER INCOME PICTURE
Business + evidence + commitments
Explain your income
Show how your business earns and how you are paid.
Gather available evidence
Use records that support the figures you discuss.
Review the costs
Compare fees, rates and repayment requirements.
A clear process, with support at every step.
Start with your circumstances.
We help you understand your income evidence, compare suitable pathways and prepare for assessment.
Guidance in English & 中文.
① Start a conversation
Tell us about your business, goals and timeframe. A simple overview of your industry, trading history and how you earn is a useful place to start.
② Review your position
Discuss your income, expenses and existing commitments. Review available business records and identify what further information may support a lender assessment.
③ Compare your options
Compare suitable loan pathways, interest rates, fees and features. Understand the income evidence each lender requires and the trade-offs before choosing an option.
④ Plan the next stage
Prepare the requested documents through the agreed secure process. We help you understand the application stages and any conditions; the lender makes the approval decision.
Bring a business snapshot. We’ll guide the next step.
At your first conversation
A simple business overview is enough.
✓ Your industry and trading history.
✓ How your income is earned and paid.
✓ Your goals, timeframe and existing commitments.
Later, for your application
We explain the lender’s requirements for your situation.
• Identification and existing commitments.
• Business bank statements and trading records.
• Tax records, invoices or accountant information, where required.
• Details of the property and proposed loan.
Start with what you have.
Use the agreed secure process to share financial documents.
Keep exploring, at your pace.
Explore borrowing power, income evidence and preparation at your own pace. Estimates are a starting point; your circumstances and lender assessment determine the options available.
A question before you call?
Start with a clearer question.
Explore general questions about self-employed lending, income evidence and preparation with BV Finance AI Chat.
For personal guidance, speak with a broker. AI provides general information.
Borrowing power
An estimate to frame the conversation.
Explore borrowing power using your income and commitments. Bring the result and your questions to a broker.
An estimate is a guide, not loan approval.
A FEW ANSWERS
Questions about self-employed lending.
A few practical answers to help you understand low doc loans and prepare for a conversation with a Melbourne broker.