DOC PATHWAYS
Self-Employed Home Loans — 4 Pathways Compared
The hard part of a self-employed home loan isn't the loan size — it's how you evidence your income. The big banks accept only 2 full years of tax returns. Halo Loan opens 3 other pathways. Each suits a different ABN tenure, industry and document state — pick the fastest one you'll clear.
Alt-Doc Home Loans
Big banks demand 2 years of full tax returns? Halo Loan packages BAS + bank statements + accountant letter as alt-doc evidence — formal approval in as little as 5 business days.
BAS-Only Home Loans
Home loans without tax returns? With 4 quarters of BAS + ABN ≥ 2 yrs, Halo Loan secures 80% LVR — formal approval in 10 days.
Full-Doc + Accountant Letter pages
Coming soon. The full-doc and accountant-letter comparisons are currently shown in the 4-pathway matrix at the bottom of each Alt-Doc / BAS-Only page.
Products the big-4 decline or scrutinise hard
SMSF purchases, off-the-plan, build / knock-down rebuild, and 188 / 888 investor-visa applicants — complex structures with thin lender pools, which is exactly Halo Loan's specialty.
SMSF Property Loan · Self-Managed Super Fund Investment Purchase
Buying an investment property inside your SMSF: we structure the LRBA + bare trust and connect you to the few specialist lenders still writing SMSF loans.
Off-the-Plan Loan · Buying Off-the-Plan Apartments
Buying off-the-plan: 12–24 months typically pass between signing and settlement, and the real risk is an undervaluation at settlement — we map the deposit-shortfall and loan timeline ahead of time.
Construction Loan · Build New / Knock-Down Rebuild
Building new or knocking down to rebuild: the loan is drawn in stages against the builder's fixed-price contract, interest-only during construction — we align the contract, council permit and draw timeline.
188 / 888 Visa Mortgage · Business Innovation & Investment Applicants
Home loans for 188 (provisional) and 888 (permanent) visa holders: at the 188 stage lending follows temporary-visa and foreign-buyer rules with restricted LVR and FIRB in some cases — we translate and package your offshore assets and income for the specialist lenders that take these.