How do you find the cheapest low doc?

Don’t you agree that the banks and other lenders sure give the self employed workers of Australia a hard time when they apply for home loans? Getting the best interest rate isn’t easy if all you can provide as income verification are some out of date tax returns and an ABN!

Low Doc Loans are the answer for the self employed! With no proof of your income other than an income declaration we can get you the best interest rate for your home loan! Borrow up to 80% LVR (80% of the value of your property) or more! Contact us so we can help you to choose from over 40 lenders, get the best interest rate and to get your loan approved – without the hassle or paperwork!

Low Doc Interest Rates

Which lender has the best interest rate? Find out which type of loan you need and the current interest rate you will pay! Don’t pay too much for your low doc mortgage, talk to the Home Loan Experts today.

Get a Low Doc Quote

If you fill in a quick form explaining your situation we can quickly reply with several comprehensive quotes.

Apply for a Low Doc Loan

You can apply for a Low Doc Loan by enquiring online, fax, email, post or phone. We’ll get back to you with several options from the major banks or other lenders that might be able to help.

What is a Low Doc?

Find out how a Low Doc Loan really works and how you can get approval with a low doc loan. Who can get a low doc loan and what kind of declaration do they need to sign to get an approval?

Low Doc Loan Types

Low doc loans are now available with a variety of loan features & types including basic loan discounts and professional packages with no application fees and discounted interest rates.

Low Doc Lenders

As low docs have become popular with self employed borrowers they have also become popular with lenders too! The banks all have different views on the pricing of low docs, creating large variations in interest rates & fees.

No ABN Low Doc Loans

Most lenders require that you have an ABN that has been registered for two years before they will approve your low doc loan. However some lenders are more flexible, only requiring you to state that you have been self employed for at least two years.

No LMI

Not every lender will charge you lenders mortgage insurance (LMI) on your low doc loan. Find out who charges a risk fee and who will carry your LMI premium in their rate.

Low Doc Security

Will your lender use your serviced apartment, inner city apartment, company title property or studio unit as security for your low doc loan?

Low Doc Home Loans

When a Low Doc Loan is used to buy or refinance a home (owner occupied property) as opposed to an investment property then it is known as a Low Doc Home Loan. Low Doc Home Loans are different because they have slightly different approval criteria and features, depending on your lender.

Low Doc Investment Loans

If you are building wealth through investing in real estate, shares or a business and have a property that you can use as security you may want to consider using a Low Doc Investment Loan. Although similar to a home loan you may have a different rate, fees and approval criteria depending on your situation, the lender you choose and the type of investment.

Low Doc Construction & Renovation Loans

Did you know you can use a Low Doc Loan to build, renovate or develop? Your loan can even be approved based on the total cost of the project & the on completion value! Finance your construction project the easy way with a low doc.

Refinance with a Low Doc Loan

Refinancing your home or investment property is made simple when you use a Low Doc Loan to do the job! Quicker and easier than a conventional home loan, you’ll face less paperwork and less questions. You may even be able to use the Rapid Refinance options available from some of the banks.

Purchase with a Low Doc Loan

If you are buying a property using a Low Doc Loan you will get a faster approval because there is less for the lender to assess. However your lender may require that you have a slightly larger deposit, usually 20% of the purchse price. Some lenders also have restrictions on the source of your deposit. Learn how to obtain a Low Doc Pre-approval!

No Doc Loans

No doc loans are secured by real estate, require no proof of income and no formal statement of assets and liabilities. Both private loans and prime loans from major lenders are given the same no doc label however they are very different home loans.

Low Doc Vacant Land Loans

Vacant land is not as easy to finance as a house or unit. When applying for your loan you should consider how your lender views land and if they will require you to commence construction within a particular timeframe.

High Lend Low Doc

Do you need to borrow more than 80% LVR? Most banks can’t help, so use a specialist mortgage broker to find you the right niche lender for your no financials home loan.

Low Doc for the PAYGs

Did you know that self certified income loans are available for employed borrowers as well as the self employed? Often casual or commission income staff require alternative proof of income that only a low doc loan can provide.

Property Investor Low Doc

Most banks aren’t happy about giving professional investors a low doc loan. Even without an ABN it is possible to get approved as long as you know which banks can help.

Low Doc FAQ

Take a look at our Frequently Asked Questions to find out the answers to your Low Doc Finance questions! If you can’t find the answer you are looking for then call or email us.

Low Doc Glossary

Find out the meaning of common low doc terms such as LVR, lo doc, lite doc, financial statements, self certified income and declared income.

Low Doc Links

Links to all the useful information that you need for your low doc loan application.