Alt doc and one doc home loans both help self-employed borrowers skip full tax returns — but the income verification method, maximum LVR, lender panel and rate loading differ significantly. This decision tree maps which structure fits your file based on ABN age, income evidence and borrowing amount.

Most banks want two years of ABN history before they'll consider a self-employed home loan. But a growing number of non-bank lenders now accept 12-month trading history — if the proof pack is structured correctly. This guide covers what passes and what fails for 1-year ABN home loan applications in 2026.

Allied health practitioners — physios, chiros, optometrists — often earn well but document income differently to GPs and dentists. A One Doc home loan uses your accountant's letter instead of tax returns, which suits practitioners running mixed ABN and PAYG income across multiple practices.

The RBA cash rate sits at an indicative 4.10% (current at publication) after the March hold, March 2026 PMI printed 49.8 (the first contraction in five months), and the BOQ-to-Challenger equipment finance portfolio sale — publicly reported at approximately $3.7bn — is reshaping the non-bank panel. Most manufacturers are still stacking facilities in the wrong order. The right sequence — plant, working capital, property — decides which application gets approved and which one blocks the next. Here's the 2026 manufacturer loan pack playbook.

Pty Ltd manufacturer directors routinely get told their paper income doesn't count because it's retained inside the company rather than drawn as director income. On a One Doc home loan the read changes — BAS turnover and a self-declared statement replace the full-doc bank servicing logic. Here's the decoder of where the money actually lives, and which income sources pass or fail the One Doc file.

Most manufacturers think their owned CNC is locked equity — quietly sitting on the factory floor while working capital gets squeezed by 60-day raw material terms. Sale and leaseback reads the asset differently. The machine stays on the hardstand, the title moves to a funder, cash hits the trading account, and a deductible rental replaces a depreciating lump. Here's the before/after and the lender view.

Chattel mortgage is the default for most Australian manufacturers buying plant in 2026 — ownership from day one, full GST credit in the next BAS, and a clean depreciation schedule. Finance Lease, Commercial Hire Purchase and Operating Rental each have a narrow window where they beat chattel on structure, cashflow or off-balance-sheet treatment

Dandenong, Hallam, Keysborough and Cranbourne read as one precinct on a credit file, not four suburbs. Here's how South-East Melbourne manufacturer equipment finance actually gets approved in 2026 — what each suburb signals to a lender, and why the March PMI softness sharpens the suburb-cluster proof pack rather than weakening it.

The RBA cash rate sits at 4.10% after the March decision, Victoria adopts NCC 2025 from 1 May, and most builders are still stacking facilities in the wrong order. The right sequence — plant, pre-start gap, development — decides which application gets approved and which one blocks the next. Here's the 2026 construction loan pack playbook.

Civil contractors get told their retention-heavy income kills a residential application. On a One Doc home loan it doesn't — the document teardown reads BAS turnover and self-declaration, not full PAYG payslips. Here's what's actually inside the file and where the deal lives or dies.