Low Doc Home Loans

Are you lacking the documentation to get a home loan?
We can help you find a solution.

If you’re recently self-employed or don’t have full records of your financial history, you won’t be able to apply for a standard mortgage. Fortunately, you can take out a low documentation home loan instead.

We have access to many different hard-to-find loans, so we can save you time by searching for the best rate for you.
Low doc loans usually have a higher interest rate, but we can negotiate a rate reduction on your behalf.
We work around the clock to get your loan approved in time.

Even with minimal documentation, we will work hard to get you the right loan for your situation, at the best possible rate. Speak to one of our friendly brokers today.

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1300 555 888

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Low documentation home loans are designed for people who can’t provide their full financial history, such as investors or people who are self-employed.

Similar to a standard loan, you can take out a low doc mortgage for a residential, investment or business property purchase. It also has the usual loan options, including standard and variable interest rates, redraw facilities and line of credit options.

What you will need

To get a low doc loan, you will usually need to provide your lender with 12 months of Business Activity Statements (BAS) and have had an active ABN for at least six months.

Additionally, some lenders may require you to take out Lenders Mortgage Insurance (LMI) with a Loan to Value Ratio (LVR) of greater than 60%.

The right rate at the right time

With a low doc loan, you will usually need to pay a higher interest rate to compensate for the risk your lender is taking. However, this is where we can help the loan work in your favour.

While you will need to secure your loan by paying a higher rate in the beginning, once you’ve caught up with your documentation and lodged your next tax return, we can negotiate a rate reduction on your behalf to make sure you end up paying as little as possible.

Stay Informed

We place huge emphasis on educating our clients, so that they can be personally confident in their decision. Let us keep you updated with the latest information so you can reach your goals faster.