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Low Doc Home Loans

For home loan hunters who may be self-employed, freelancers, contract workers or undertake seasonal work, you may not have all the documentation usually required for a mortgage.  Low-doc loan combines our low interest rate with a range of flexible home loan features, with options for start-up or established businesses.

Loans up to 85% of property value
Irregular income acceptable
Alternative verification options
Owner-occupier and investor
Debt consolidation options
Cash out available

Am I eligible?

Low-doc loans are a way for small business owners, freelancers and other ABN holders to meet the requirements of a loan application. They are designed for customers who otherwise wouldn’t be able to get a home loan due to their inability to validate their earnings using traditional methods.

Your eligibility will be improved by good credit history, and the lender will want to know that you can afford repayments. Generally, low-doc home loans often suit self-employed Australians, investors who rely on their investment income and contract workers

Self employed and haven’t done your tax returns yet? We can still help. If you are self employed and do not have your taxes up to date do not worry we can still help. We have access to lenders who can use other forms of income to verify your income. Normally they only need a minimum 1 type of document to verify your income. Please see below what we can accept to help you get your home loan approved!

Accountants letter to confirm your gross taxable income

Last 2 BAS statements

Last 6 months business banking statements 

Who are low-doc mortgages for?

There are many reasons why you might not have the full suite of documents or financials needed for a full-doc loan application. For example, your most recently lodged tax returns may be over a year old and may not reflect your current income level.

What are low-doc loans?

Low-doc loans are more flexible solutions for customers who might be self-employed, contractors or freelancers, and don’t have the standard PAYG payslips, financial statements or tax returns needed for a traditional loan application.

These types of loans rely on self-verification of income, which may require a supporting letter from an accountant and your recent bank statements. You may also need to supply your last year’s Business Activity Statements (BAS).



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