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The good old NCCP trick...if anything goes wrong and the customers whats an explanation just blame NCCP lol Regarding bank's policy, its ANZ policy to add and accept add backs....However tier 2 lenders tend to be a lot more flexible and "forgiving" in the low doc field. Regards

That's true....it brings the banks value down quite a bit as well :( Regards Michael

I think you just spoken to an staff member who's not not willing to put in the hard yard and decypher your tax return ..sounds like you don't need to go down the low-doc path ( it be easier, but costly). Contact a good broker and explain what you want to achieve and she/he would be able to...

Firstly, what sort of lost is your company declaring? depreciation ? equipment? capital lost? etc A lot of company declared lost can be "added back" as a declared profit for the bank's serviceability purpose, make sure you get an experienced broker or banker to go through the tax return for you...