Hi PC, Seeking the advice and guidance of the brain's trust here! Bit of background: - We moved from MEL to SYD @ the start of 2019. - Currently living with the in-laws. - Wife is employed as PAYG employee. - Together, we took over my family business @ 1/1/2019 as a joint partnership (most tax effective now, will roll over to Pty Ltd soon). Business was purchased as a going-concern with good records over 10 years. - Have 2 IPs, looking to buy PPOR. Looking to posistion myself for future business premises purchase too. - Looking to purchase PPOR will approx 40% LVR, the remainder to be supplemented from existing equity (due to serviceability limit). As the business records are only from 1/1/2019, we are having a little trouble with Full Doc Loans with the big banks (assuming a lack of sufficient documents). Would Low Doc be the best option given my scenario? Option 1: Full Doc Loan - Ideal scenario, but auction comes up next week and turn-around time for full doc application with ANZ is about 10 working days. Not confidence inspiring going to auction, but would Option 2 and 3 be suitable backups? Option 2: Low Doc Loan - Second best scenario, probably will have to do this during the contract settlement period (negotiated 70 days settlement). Option 3: Purchase outright with OE. Greatest impact on equity as I won't have sufficient equity to purchase the business premises (I am pressing for a later purchase but have just signed a 3+3 lease). Keen to get your thoughts. The gears in the brain are grinding!