Low-doc refinancing
Refinance without tax returns, bank statements, BAS, or an accountant letter. Rates from 5.97%*.
Australian Mortgage Brokers
No tax returns? No problem.
Self-employed low-doc and alt-doc loans from 5.97%* — no proof of income required. Built for sole traders, company owners, and contractors who cannot prove income with payslips. Residential and commercial property transactions from $300,000.
*Rates are subject to change and lending criteria. Available to qualifying borrowers.
Low-doc new mortgage
Get a market-leading loan for your home with minimal documentation for self-employed borrowers.
Investment & commercial
Build your portfolio with residential or commercial property loans from $300,000.
Bad credit solutions
Defaults, arrears, or past Part IX agreements do not have to stop you. Options for ABN holders.
Why choose Janai
Built for ABN holders, not bank employees.
No tax returns
Refinance without tax returns, bank statements, BAS or an accountant letter.
Big 4-beating rates
Access a 30+ lender panel of prime banks and specialist non-banks to find the right structure.
48-hour review
We review your application before lodgement to avoid unnecessary credit hits.
Self-employed specialists
Alt-Doc, Lease-Doc and commercial solutions for business owners and contractors.
Your loan journey simplified
Three steps to unlock your lending potential.
1. Choose your loan
Select refinance or a new mortgage. We apply the best rate from our lender panel.
2. We review your application
We only process when you are 99% guaranteed of approval. No unnecessary credit hits.
3. We process quickly
Qualified applications move fast. Our streamlined low-doc approach saves weeks.
Common questions
Self-employed lending, answered.
Why is the rate different between a new mortgage and refinance?▾
The mortgages come from different sources and therefore have different rates and lending criteria. We aim to refinance all new mortgages to the lowest possible rate in Australia after 12 months of perfect repayments.
How long does approval take?▾
Our aim is a 48-hour turnaround to review your application prior to lodgement. Most applications are processed quickly with our streamlined low-doc approach.
What if my tax return shows minimal profit?▾
We do not require tax returns for our low-doc refinancing loans, so no need to worry.
Are there any hidden fees?▾
There are no hidden fees. Any minimal fees are listed in the credit quote for you to review before moving forward.
Do you need a credit check for my application?▾
Our initial check is a soft enquiry only. This does not affect your credit score as per the Equifax website.
Can I qualify without perfect financials?▾
Absolutely. We understand business income fluctuates. Our lenders look beyond traditional metrics, focusing on your overall financial health and potential rather than rigid paperwork.
What documents do I need?▾
Minimal documentation. For refinancing, we typically only require 6-12 months mortgage statements, your rates notice, and a credit score above 600.
Why Janai Financial
We know self-employed finance.
- Bank statement and low-doc lending specialists
- Access to a panel of 30+ prime and non-bank lenders
- Fast pre-approvals and streamlined applications
- No-cost, no-obligation consultations
20+
Years client experience
30+
Lenders on panel
5.97%*
Low-doc rates from
48h
Application review