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Dont' know your exactly situation. But if your after a 90% low doc than you need more than just one accountants letter. At 85% it's ok with just the one accountants letter - a mixture of non banks, private banks and private lenders etc...

Sounds like something Advantage would ask for... Most of the non banks low doc are quite straight forward...accountants letter only and it's good to go.

If your going down the low doc path you dont need any tax returns at all, that's why it's called low doc :) Just an accountants letter at 85% LVR ( min 1 years abn history only + GST registered depending on income amount) ....at 90% LVR you need accountants letter + trading statements.

Def get your next tax return in and you may have a chance at full doc else for low doc 85% LVR possible with either Accountant letter Or 6 month BAS or 6 month trading statements. 90% LVR low doc you need accountants letter + 3 month BAS and 3 month trading. As pete mentioned with such a...