Most builders don't need one loan — they need three facilities sequenced in the right order. Development finance, a commercial property facility and a private lending line each solve a different timing problem. Get the sequence wrong and the second approval stalls the first.

The gap between completing one development and starting the next is when most developers lose home loan eligibility under full-doc assessment. A One Doc home loan uses an accountant's letter to verify income capacity rather than requiring two years of consecutive tax returns — which means the inter-project gap doesn't disqualify you if the letter is structured correctly.

Most commercial property loans cap at 65–70% LVR. Reaching 80% requires multi-property security, the right valuation method and a lender panel that includes non-bank specialists. This guide breaks down the formula lenders use and what passes or fails at each tier

Caveat loans sit inside a specific window of a development project — after DA approval but before bank refinance settles. This timeline maps each stage from council approval through to caveat discharge, showing what non-bank funders assess at every trigger point and where most developers lose time.

The credit team reviewing a second mortgage business loan is not reading the same file as the first lender. Priority position, mortgagee consent and combined LVR change the entire approval lens — and most applicants have never seen what that assessment actually looks like from the other side of the desk.

Most self-employed borrowers refinancing to a One Doc home loan are already paying a higher rate than they need to. If your current lender assessed you on full tax returns and you're now trading stronger than those returns suggest, a One Doc refinance lets the lender assess on declared income instead — often unlocking a lower rate, better LVR, or access to equity you couldn't touch before.

APRA's debt-to-income cap restricts bank lending at high DTI ratios — but non-bank lenders sit outside APRA's regulatory perimeter. For self-employed borrowers using a One Doc home loan, borrowing power hasn't changed. The cap actually strengthens the case for non-bank pathways that were already built to assess irregular income without tax returns.

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.