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Treehouse - you can always get finance if you really need it. It all depends on how much you are prepared to pay. Without proof of income you are a riskier borrower so you will be charged accordingly. That is how credit works.

You mean I can't get 90% lo-doc for my bakery in Springvale? :)

Risk fee is a bit higher than LMI. Rate for an accountant's letter lo-doc is at least 2-3% higher than normal HL rates, depending on LVR and lender. You can apply for full-doc later when your husband has adequate financials to qualify. Same requirements as any other self-employed person.

As long as you can show the income it will be OK to show bank statements. The thing is if you don't register for GST lender will not be able to take your income above $75,000 as that is the threshold for GST registration.