Home Loans
Low Doc Loans
Self-employed, contract or business income that doesn't fit a standard payslip? Low doc lending assesses your income differently — often with less paperwork.
If you're self-employed, a contractor, or your income fluctuates, a mainstream lender's requirement for two years of tax returns and full financials can be a genuine obstacle. Low doc lending exists precisely for that situation: it verifies your income through alternative evidence rather than a traditional payslip.
What the lender accepts varies. Some want an accountant's letter, some a business activity statement, and some simply a declared income with a borrower declaration. What matters is matching your particular documentation to a lender who will actually accept it.
Because low doc loans carry more risk for the lender, rates and LVR limits are typically tighter than a full doc loan. We'll tell you honestly whether low doc is your best path or whether there's a cheaper option you qualify for.
What we look after for you
Assessing which documentation you can actually provide
Matching you to lenders who accept that evidence
Comparing low doc against full doc to find the cheaper path
Preparing and lodging the application
Talk to a broker about this
Every situation is different. Tell us what you're trying to do and we'll come back with a straight answer — free, and with no obligation.