Low Doc Loans
If you’re self-employed, a contractor, or run your own business, you already know that proving your income on paper isn’t always straightforward. Traditional lenders want two years of tax returns, payslips, and financial statements. But what if your books aren’t fully up to date, or your income doesn’t fit neatly into a standard form?
Types of Low Doc loans.
Low doc loans offer a flexible pathway to finance – without forcing you to jump through hoops your situation simply doesn’t allow for.
Because low doc lending covers a wide range of borrower types and circumstances, the options available can vary significantly.
Which lenders will consider your situation?
What documentation do you actually need?
How do the rates and terms compare to a standard loan?
We’re here to answer those questions.
Self-employed home loans
Running your own business shouldn’t stop you from buying a home. But if your tax returns don’t fully reflect your income – because you’ve reinvested profits, recently started trading, or your financials are still being prepared – standard home loan applications can feel like they’re working against you.
We’ll identify the lenders best suited to self-employed borrowers, help you understand what documentation is required, and structure your application in a way that gives you the best possible chance of approval.
Low doc investment loans
Want to grow your property portfolio but struggle to meet traditional income verification requirements? Low doc investment loans allow property investors who are self-employed or have complex income structures to access finance without the full paperwork burden.
We’ll help you assess your borrowing capacity, find the right lender for your investment goals, and structure the loan in a way that complements your overall portfolio strategy.
Business purpose low doc loans
Need to borrow against a property for business purposes but can’t provide standard financials? Whether you’re looking to purchase commercial premises, access equity, or fund business growth, there are low doc options available for business borrowers too.
We’ll take you through the options available for your specific business structure – whether you’re a sole trader, partnership, company, or trust – and find a loan solution that fits.
Low doc refinancing
Are you stuck in a loan that no longer suits you, but worried that switching will require documentation you don’t have? Refinancing on a low doc basis is absolutely possible, and in many cases it can save you significantly.
We’ll review your current loan, identify better options in the market, and handle the entire refinancing process – so you can move to a more competitive product without the paperwork headache.
Using alternative income verification
Low doc doesn’t mean no doc. Lenders still need some form of income evidence, but what they’ll accept varies widely. Some lenders accept a signed accountant’s declaration. Others will work from BAS statements, bank statements, or a self-certified income declaration.
We know exactly what each lender requires and what they’re willing to accept. We’ll match you with the right lender for your documentation situation and help you present your income in the most accurate and compelling way possible.
Building with a low doc loan
Planning to build or renovate but can’t meet standard construction loan income requirements? Low doc construction loans are available, though they come with their own set of requirements and considerations.
We’ll help you structure a loan that covers each stage of your build, work with lenders who are comfortable with low doc construction applications, and make sure you’re protected if timelines or costs shift along the way.
In Practice.
Speedy turnaround times.
The property market waits for no-one. That’s why we offer speedy turnaround times, so you won’t miss out on the perfect opportunity.
Huge range of flexible loan options.
Our broad range of flexible loan opportunities comes from access to over 50 lenders. It means we can find the right solution for whatever type of loan you need.
Support when you need it most.
When it comes to property, we’ve seen and done it all. That’s what makes us so well-equipped to guide you through the process and do whatever it takes to make your experience a positive one.
Empowering you to make confident decisions.
Whether you’re buying, building, or refinancing, we’ll guide you through the process and find you the best-fit loan so you can move forward with confidence.