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Why Self-Employed Borrowers Get Rejected (And Why It's Not Your Fault)
The Payslip Problem
Banks want payslips you do not have. Their systems are built for employees, not entrepreneurs, contractors, or business owners with variable income streams.
The Tax Return Trap
You legitimately minimise tax through deductions. Banks then use that lower taxable income figure to assess you, ignoring your actual cash flow and business performance.
The Timing Issue
Tax returns are always backwards-looking. If your business has grown in the last 12 months, banks cannot see it. They assess yesterday's income for today's loan.
What Makes Low Doc Bridging Different
Low doc bridging finance is designed for your reality, not a bank's checkbox system. Here is how the assessment approach differs.
Two years of tax returns with consistent PAYG income required.
Accountant's letter, 6 months bank statements, or BAS statements accepted.
Two years of tax returns with consistent PAYG income required.
Accountant's letter, 6 months bank statements, or BAS statements accepted.
Your taxable income and debt-to-income ratios.
Your property equity and realistic exit strategy.
Your taxable income and debt-to-income ratios.
Your property equity and realistic exit strategy.
Penalised. Lower taxable income means lower borrowing capacity.
Understood. Actual cash flow and business strength considered.
Penalised. Lower taxable income means lower borrowing capacity.
Understood. Actual cash flow and business strength considered.
Ignored. Only historical tax returns matter.
Recognised. Recent bank statements show current position.
Ignored. Only historical tax returns matter.
Recognised. Recent bank statements show current position.
4 to 8 weeks with extensive back-and-forth.
Often 1 to 2 weeks with streamlined assessment.
4 to 8 weeks with extensive back-and-forth.
Often 1 to 2 weeks with streamlined assessment.
Low Doc Bridging Loan Rates: Transparent Pricing
Low doc rates are slightly higher than full-doc loans to reflect the reduced paperwork. The premium is typically 1% to 2% above standard bridging rates. Here is what to expect.
Interest Rates
Low doc bridging rates typically range from 7% to 10% per annum, compared to 6% to 8% for standard bridging with full documentation. Your actual rate depends on your equity position and exit strategy strength.
Establishment Fees
Expect establishment fees between 0.75% and 1.5% of your loan amount. This covers the lender's assessment and setup costs. We negotiate to minimise these wherever possible.
Valuation & Legal
Valuation fees run $300 to $600 per property. Legal and settlement fees are typically $500 to $1,000. These costs are consistent whether you choose low doc or standard bridging.
Exit Fees
Many lenders charge no exit fee, especially when we negotiate on your behalf. Where exit fees apply, they are disclosed upfront so you know exactly what to expect.
Your Situation, Solved: Common Scenarios We Help With
Low doc bridging loans serve a wide range of self-employed Australians. Here are the situations we help with every week.
Contractors & Consultants
You work on contracts rather than permanent employment. Your income is strong but variable. Banks see gaps between contracts as risk. We see a professional managing multiple income streams successfully.
Sole Traders & Freelancers
Your ABN is your business. You invoice clients directly and manage your own cash flow. Traditional lenders struggle with your tax structure. Low doc lenders understand that your bank balance tells the real story.
Business Owners & Directors
You run a company or trust structure. Your income flows through dividends, director fees, or retained earnings. Banks want everything separated and simplified. We work with lenders who understand business structures.
Gig Economy & Platform Workers
You earn through platforms, delivery services, or multiple gig roles. Your income is real but does not fit traditional categories. Specialist lenders can assess your actual earnings pattern.
What You'll Actually Need: Documentation Made Simple
Forget the mountain of paperwork banks demand. Low doc bridging loans require far less documentation, focusing on what actually matters for your approval.
Two years of personal tax returns plus Notice of Assessment for each year.
Accountant's letter confirming income OR 6 months business bank statements.
Two years of personal tax returns plus Notice of Assessment for each year.
Accountant's letter confirming income OR 6 months business bank statements.
Two years of business financial statements, company tax returns, and profit & loss.
ABN registration (12+ months active) and GST registration if applicable.
Two years of business financial statements, company tax returns, and profit & loss.
ABN registration (12+ months active) and GST registration if applicable.
ATO portal access, accountant questionnaires, and detailed business explanations.
BAS statements (if GST registered) showing business activity.
ATO portal access, accountant questionnaires, and detailed business explanations.
BAS statements (if GST registered) showing business activity.
Same as low doc.
Contract of sale for new property, rates notice, and existing mortgage statement.
Same as low doc.
Contract of sale for new property, rates notice, and existing mortgage statement.
Often overlooked until late in process.
Clear plan for how you will repay (property sale timeline, agent appraisal).
Often overlooked until late in process.
Clear plan for how you will repay (property sale timeline, agent appraisal).
How We're Different: Specialist Expertise for Overlooked Borrowers
Most brokers send your application to whoever they think might approve it. We specialise in self-employed lending because we understand it requires a completely different approach.
Self-Employed Specialists
We have helped over 500 self-employed borrowers secure finance. We know which lenders genuinely understand ABN income and which ones just claim to.
40+ Lender Access
We are not limited to the big banks who reject self-employed applicants. Our panel includes specialist lenders who have built their entire business around flexible documentation.
No Surprises, No Pressure
We tell you exactly what is possible before you commit to anything. No hidden fees, no last-minute conditions, no pressure to proceed if it is not right for you.
What our customers
say about us
Don't just take our word for it. See what hundreds of satisfied clients across Sydney say about their experience with Stryve Finance.
“Nate and Dylan were extremely helpful in helping us secure our new home. They were easy to contact from day one, and answered any questions we had. We felt reassured at all times and are very grateful for their patience with us. I have recommended Stryve to 3 friends now who have all been successful in achieving their goals of purchasing their homes. We are so happy with the service and will definitely keep on recommending Stryve to our family and friends.”
Whitney Tran
Homeowner
“I never had a problem with Dylan. From the start of our journey on mortgage til the very end and even with refinancing, he/they were very helpful, transparent, honest and really keen to help their clients! Highly recommended.”
Cristianne Del Valle
Homeowner
“On behalf of my husband and I, we would like to truly thank Dylan Bertovic for all his assistance in helping us with our new loan - approved in time before our settlement. Dylan worked above and beyond expected. He took the time to explain every step and process with us. Any questions we had, Dylan would go out of his way to ensure they were answered. He made the process stress free and ensured we got the best possible deal. We highly recommend Dylan to all our family and friends.”
Merna Yalda
Homeowner
“Nate is great to work with, very knowledgeable, responsive and genuinely invested in helping me find the right solution. Highly recommend this firm to anyone looking for reliable, competitive and professional brokerage services.”
Julia
Homeowner
“Dylan has not only been a longtime friend, but also the trusted mortgage broker of choice for my family. He answers the phone at all hours, communicates extensively through all steps of a sometimes-complicated process and manages my risk. He has a straight to the point approach which I appreciate. Simply gets the job done, and gets it done very quickly. Thanks for everything Dylan, you're a champion broker and a good mate.”
Christian Barać
Homeowner
“Nate and Dylan were the ultimate professionals in securing a home loan to help us purchase our first home! Following the purchase of our home, they have continued to provide their exceptional service and have been able to secure two rate reductions in six months! Being self-employed wasn't an issue for me as Nate knew the process back-to-front and was able to provide sound advice throughout the application process.”
Justin Tomas
Homeowner
“It was an absolute brilliant experience with Stryve. Our first purchase was with Dylan he was always clear re: the next steps, quick to respond, never tired of questions and went over and above with communication. We went back and used him again for our next investment and the experience was just as wonderful as the first. Stryve also reviews our loans every 6 months to make sure we are getting the best rates on offer. We couldn't ask for more!”
Amber Motii
Homeowner
