U, B, V and R surface photometry is presented for the two luminosity class I-II galaxies NGC 1084 and 7331. The reduced profiles of both galaxies have well-defined outer components similar to that described in an earlier paper for NGC 157. The radial variation of M/L has been studied by extrapolating the observed rotation curves. The gross structure and detailed colour and M/L variations for both galaxies are described in terms of the density wave theory of spiral structure, which implies that the rotation curves are not flat at large radii. The outer components of both galaxies are too luminous to form conventional massive haloes. In both galaxies the total luminosity exceeds that expected from their luminosity class.