Low Doc Home Loans

As Low Doc Home Loan specialists, we provide market leading low doc home refinance solutions for self employed borrowers.

Whether you require cash out from your home loan, need to pay out some debts, or simply require a low rate low doc home loan, we have you covered.

Our lender panel covers self employed borrowers that may have limited financials, no financials, no tax returns, an accountants letter only or simply have a short term ABN and require a low doc lender that specialises in this type of lending product

Benefits Of Low Doc Home Loans:

Fast home loan approval
Limited financials required
Accountant’s letter or BAS only refinance
Borrow up to 85% LVR
Past bad credit issues overcome
Get cash out from home equity
Consolidate high interest debts into one manageable low doc home repayment
Buy extra stock, expand premises

GET YOUR FREE QUOTE

Property Type

What type of property do you have to offer as security for the low doc home loan?

Postcode

Valuation Estimate

Amount Owing

Loan Amount

How much would you like to borrow in total including paying out any current mortgage and loans, plus any extra cash you may be seeking?

Further Information

Please tell us what you are trying to achieve with a low doc home loan refinance. Please tell us briefly anything we should know about your current finance situation, credit history, employment including what documents you may be able to provide for your low doc home loan, ie: Accountant's letter, BAS, business bank trading statements.

Full Name

First Name

Last Name

Email Address

Mobile Number

What is the process for a low doc home loan approval?

Lenders seek answers to 3 key questions when looking to provide you with a self employed low doc home loan:

What is the value of the property?

They will undertake a property valuation that is generally performed by a specialist professional valuer. They may need to look through the property. They will also look at the market values of comparable properties in the area. In some cases, you may be charged for this service.

Who are you?

Your identity needs to be verified. This is often referred to as a 100 point check. You may be asked for documents such as a drivers licence, passport, credit card, rate notice or utilities account; or something that shows who you are and where you live.

You and Your Business Credit Report?

Most lenders will require a credit history from a credit agency. If you have credit impairment, that’s ok, we have many low doc lenders that will accept bad credit home loan applications.

Can you afford the repayments?

This is usually referred to as 'serviceability'. Lenders need to know that you can afford the loan. You need to be open and honest as you could be breaking the law if you deceive the lender. It is a legal offence for a lender to lend funds to someone who can't afford the repayments, so lenders take this criteria very seriously.

With a low doc home loan you can use different types of documents to prove your income:

Accountant’s letter
Last 2 BAS statements
Last 6 months trading statements (bank statements)

We have non bank lenders who will accept just one of the above three documents on most occasions.

So you may have had a poor last 3 income trading months on your bank statements, but your accountant’s letter shows over the full year you have the ability to service the new low doc home loan.