Alternative home loans
Your income isn’t standard.
Your options shouldn’t be either.
Clear, specialist guidance for self-employed, asset-rich and credit-challenged Australians who need a lender to understand the whole story.
Start with your situation
Alternative finance is a category—not a single loan.
Alt-doc and low-doc describe ways to verify income. Self-employed lending describes the borrower. Asset-based and credit-challenged lending respond to different financial circumstances. More than one may apply to you, which is why the right starting point is your story—not a product label.
A quick orientation
Similar words, different starting points.
| Pathway | Starts with | Typical evidence | Useful when |
|---|---|---|---|
| Self-employed | Your business and income story | Financials, BAS, bank statements or accountant support | Employee-style assessment misses how you earn |
| Alt-doc | Alternative verification | BAS, business bank statements, accountant’s letter | Traditional documents are unavailable or not current |
| Low-doc | A reduced document set | Selected business and income evidence | Your income is real but paperwork is incomplete |
| Asset-based | Your asset position and exit strategy | Property, portfolio and cash-reserve statements | You are asset-rich with limited regular income |
| Credit challenged | Your current position and past events | Credit report, explanations and current income evidence | Defaults or life events affect mainstream options |
These categories can overlap. Product names, documentation and eligibility differ between lenders.
Not sure which page to read?
That’s completely normal.
Bring Charles the version you know: what you want to do, how you earn, what documents you have and what has made finance difficult so far. He’ll help make the categories useful.
Talk through my situation ↗