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I think they take past tax returns too. My tax return is pretty much useless though, the number on it is always much lower than what I actually get in as I get child support and FTA/B that I don't pay tax on but is around the same amount combined as my taxable income (or it was before I became a...

Yeah, that's the point. If you've only got a few months worth of BAS statements, or you have interesting mixed income like us, or just want to exaggerate your income to get a deal over the line, you really need those 'proper' lo doc loans where you just sign something saying you earn X. I'm...

I'll believe it when I see lo-docs or no-docs for over 60% easily available again. You know the kind, the ones that don't need 3 years of BAS statements, DNA, and your firstborn. But if anyone knows who does them, I'm a soil test and a title (bah, 4-6 week wait for a title indeed) away from...