Low Doc Loan

Q: What is a Low Doc Home Loan?

Mortgage designed for people who have a stable income but cannot provide the “standard” paperwork required by major banks—specifically, recent tax returns or payslips. Low Doc products also have higher interest rates compared to Full Doc.

Q: Who is suitable for a Low Doc Home Loan?

Borrowers that are self-employed individuals, small business owners, and contractors whose financial records might not be up-to-date or whose income fluctuates.

Q: Do I need a good credit history?

Yes, it is better to have a good credit standing but most often defaults paid up to $500 maybe considered and arrears less than 1 months in the last 6 months is acceptable

Q: Can I refinance a Low Doc loan to a Full Doc loan later?

Yes after provide the full documentation, we can refinance to full doc product.

Low Doc Lending

Flexible income verification

Low Doc Lite Loan

Alt Doc Lite is an ideal choice for self-employed borrowers who want to avoid full-doc paperwork but still enjoy flexible, competitive lending. Designed for ease, it uses only 1 year of financials and provides access to large loan sizes and debt consolidation.

This product includes Interest Only availability for home loans, unlimited cash-out, and a 100% offset facility. All without needing an exception or facing loading penalties.

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Variable rate p.a.

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Comparison rate p.a.*

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Variable rate p.a.*

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Comparison rate p.a.*

Product Features

1 Year Accountant prepared financials (NOA & ITR not required)

No accountant or employment checks

Unlimited cash-out with stated purpose only - No evidence required

100% Offset, No Loading

Unlimited debt consolidation

Accept security < 50 sqm

Tailored for self-employed Australians

Alt Doc loans are tailored for self-employed Australians who may not meet traditional lending criteria but still deserve access to smart, competitive home loan solutions. They are designed for borrowers seeking high loan amounts, quick approvals, and reduced paperwork, making the lending process faster and more flexible.

0 %

Variable rate p.a.

0 %

Comparison rate p.a.*

0 %

Variable rate p.a.

0 %

Comparison rate p.a.*

Product Features

No accountant or employment checks

Apply with accountant's letter or 3 month's BAS

Unlimited cash-out with stated purpose only - No evidence required

100% Offset, No Loading

No funds control

Interest-Only available for 65%LVR

Unlimited debt consolidation

Accept security < 50 sqm

*Interest Rate and Loan Amounts based on LVR.

*The comparison rate is based on a secured loan of $150,000 and a term of 25 years.WARNING: This comparison rate is only true for the example given and may not include all fees and charges. Different loan amounts, terms, or fees may result in a different comparison rate.

*Disclaimer: The information provided herein represents a consolidated summary from all funders and is not intended to detail any single product offering. For specific product information, please consult our BDM or the Credit team.

Who is Low Doc Home Loan for

Sole traders and small business owners

Contractors, Freelancers and Gig economy workers

Small business owners with irregular or seasonal income

Recently Self-employed borrowers with limited financial history

What can the Low Doc Home Loan be used for

Purchase

Flexible solutions to help with your owner-occupied or investment property purchase.

Refinance

We can help you refinance an existing loan from another lender to obtain a better interest rate, access new loan features or restructure your current mortgage.

Debt Consolidation

We can assist with debt consolidation including personal debt, business loans and ATO debts.

Equity release

You can release equity from your property to do renovations, purchase another property or for business purposes.

Frequently Asked Questions

What is a Low Doc Home Loan?

Mortgage designed for people who have a stable income but cannot provide the “standard” paperwork required by major banks—specifically, recent tax returns or payslips. Low Doc products also have higher interest rates compared to Full Doc.

Who is suitable for a Low Doc Home Loan?

Borrowers that are self-employed individuals, small business owners, and contractors whose financial records might not be up-to-date or whose income fluctuates.

Do I need a good credit history?

Yes, it is better to have a good credit standing but most often defaults paid up to $500 maybe considered and arrears less than 1 months in the last 6 months is acceptable

Can I refinance a Low Doc loan to a Full Doc loan later?

Yes after provide the full documentation, we can refinance to full doc product.

Low Doc Lending

Flexible income verification

Low Doc Lite Loan

Variable rate p.a.

Comparison rate p.a.*

Variable rate p.a.*

Comparison rate p.a.*

Product Features

1 Year Accountant prepared financials (NOA & ITR not required)

No accountant or employment checks

Unlimited cash-out with stated purpose only - No evidence required

100% Offset, No Loading

Unlimited debt consolidation

Accept security < 50 sqm

Tailored for self-employed Australians

Low Doc Loan

Variable rate p.a.

Comparison rate p.a.*

Variable rate p.a.

Comparison rate p.a.*

Product Features

No accountant or employment checks

Apply with accountant's letter or 3 month's BAS

Unlimited cash-out with stated purpose only - No evidence required

100% Offset, No Loading

No funds control

Interest-Only available for 65%LVR

Unlimited debt consolidation

Accept security < 50 sqm

Who is Low Doc Home Loan for

Sole traders and small business owners

Contractors, Freelancers and Gig economy workers

Small business owners with irregular or seasonal income

Recently Self-employed borrowers with limited financial history

What can the Low Doc Home Loan be used for

Purchase

Refinance

Debt Consolidation

Equity release

Frequently Asked Questions

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