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Hospitality · Self-Employed Home Loans
Low Doc Home Loans for Hospitality Operators
Home loans for cafe, restaurant and bar owners. Low doc options use BAS, accountant letter or business bank statements — no two years of tax returns required. Includes franchise operators and multi-venue groups.
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Why low doc fits hospitality operators
Cafe and restaurant accounting is notoriously complex — wages, COGS, fit-out depreciation, lease amortisation. By the time your accountant finalises returns, they’re 12–18 months old. Meanwhile your venue’s monthly revenue is growing. A low doc home loan uses recent BAS or business bank statements to reflect current trading reality, not historical accountant statements.
Who this page is for
Cafe owners, restaurant operators, pub and bar licensees, food truck operators, catering companies, franchise operators (Subway, Boost, Soul Origin, Guzman y Gomez, etc.) and multi-venue hospitality group owners.
Income evidence we can use
12 months of BAS shows lender your venue’s revenue and is the most common path. An accountant letter declaring net income works for established operators with detailed financials. Business bank statements can supplement if you have a clean trading account separate from personal accounts.
Typical borrowing capacity
Hospitality operators with 2+ years trading typically borrow $500k–$1.2M depending on assessed income and deposit. Up to 80% LVR standard. Lenders apply industry-specific net margin assumptions (often 15–25% for cafes, slightly higher for licensed venues) when converting BAS revenue to assessed income.
FAQs — Hospitality home loans
My business is seasonal — problem?
Lenders look at 12 months of BAS, so seasonal peaks and troughs average out. As long as the annual figure shows profitable trading, you’re fine.
I’m a franchisee — treated differently?
Franchise operators are typically viewed favourably (proven model, brand support). Lenders may ask about royalty and marketing fees as deductions when calculating net income.
COVID hit my trading numbers — will lenders see post-COVID recovery?
Yes. Most lenders now look at the last 12 months specifically, not 3-year averages. Strong recent BAS counts more than a COVID-impacted 2021–22 return.
Hospitality mortgage broker
Free consultation. We’ll model borrowing capacity using your actual trading data.
Related: Low Doc Home Loans · Self-Employed