If you are looking for Low Doc 90%
Criteria is clean credit, self employed, ABN for two years, and must have last 4 BAS done.
If you have above, then should be able to do 90% at 7.5% plus one off LMI fee of 1.5%
If you don’t have BAS, can do Low Doc 85% at 8.1% plus LMI
Not sure why you are paying such high rates for your low doc loans.
If you have clean credit, and have done your BAS returns, then should be able to bring a Low Doc 90 in around mid 7s. Do not require end of year returns as BAS reflect your income.
Hope this helps