No financials to prove your income?
Don’t worry!
No doc commercial loans are here!

  • No income evidence required.
  • Borrow up to 65% of the property value. Longer loan terms may be on offer.
  • Do you have a bad credit history? You may still get approved!

As seen in…

Our award-winning mortgage brokers will find you the right home loan for your situation.

HLE Awards-Top10 HLE-Awards-AMA Finalist HLE-Awards-Telstra Award

How does a no doc commercial loan work?

This type of loan is known as an asset lend because the lender is primarily relying on the value and saleability of the security rather than the strength of your personal situation. You will need to sign a declaration confirming that you are aware of the repayments and can afford them.

You don’t normally need to provide supporting documents such as tax returns, business activity statements (BAS), an accountant’s letter or business bank statements. You may still need to provide other documents such as statements for your existing commercial loan, evidence of your deposit or the particulars of the lease for the property.

*You cannot use the funds for personal purposes or to buy residential investment properties because the loan would then be regulated under the National Consumer Credit Protection Act (NCCP). If the loan is regulated then the lender must verify your income.

Will my property be accepted as security?

No doc commercial loans are only available for prime security properties. Acceptable properties include:

  • Capital cities and major regional locations.
  • Unspecialised properties such as offices, factories, warehouses and retail properties.
  • Commercial, industrial or mixed-use zoning.
  • Investment properties with a current lease in place are preferred.
  • Readily saleable and in a good condition.

Exit fees can be high!

Commercial loans are not regulated under the NCCP Act so there is very little consumer protection for you as a borrower. Lenders are permitted to charge exit fees and in many cases these can be extortionate.

Don’t worry! Our mortgage brokers can help you formalise an exit strategy to repay or refinance the loan at the end of the term.

We’ve lent more than $1 billion+ Australia-wide.

  • They walked us through the process step by step

    We would like to say thank you to Hank from Home Loan Experts for all his help in getting us a guarantor loan.

    We were really unsure if we would ever get an approval for a home loan, but Hank immediately knew the right lender to approach for our situation, and made the whole process simple…

    We would definitely recommend Home Loan Experts to anyone. Thanks again to Hank and the team from Home Loan Experts for making it possible for us to own our first home.

    Ianthe S & Jadobi l, Carina QLD

  • A very friendly, professional and helpful team

    The team was very friendly, professional, helpful and went out of their way to get the right loan that was suitable for us… I recommend this service for those who find it very hard to purchase a property going directly to a bank. Thank you Home Loan Experts, you have finally given my family and me the opportunity to own a beautiful home.

    Denise H, Epping VIC

  • A lot smoother and less stressful than having to deal with banks as an individual

    Our mortgage broker was very personable and made us feel like he went above and beyond to assist us in getting our home loan. He had a great knowledge of guarantor home loans which set our minds at ease. He was happy to answer any questions even outside business hours and responded in a professional and timely manner. As a second home buyer I would recommend going through the home loan experts as this process was a lot smoother and less stressful than having to deal with banks as an individual. I would especially recommend Hoa to others.

    Melissa H & Rhys B, Wynnum West QLD

  • Exceeded my expectations in terms of results

    Throughout the process I felt confident in knowing I could rely on you and at no stage did I ever feel that trust could be an issue with you. You have exceeded my expectations in terms of results and have done this with very short notice. You are an asset to your company and a role model to your profession… I already have and will continue to recommend your services to friends and family.

    Thomas M & Tanya W, Botany NSW

  • So easy to speak to no matter how stressful the situation

    We are both so grateful to Amine for all of his hard work and great advice over the past year! It’s been such a long journey… We are starting to settle into our new home in Trentham now. It is just so beautiful and relaxing! We really love it and are so happy with our purchase. Amine was right all along – things happen for a reason! Thank you Amine for always being there for us.

    Tanya & Andrew B, West Melbourne VIC

  • He even made a guarantor loan from our parents seem effortless!

    After the roller coaster ride of going cap in hand to the bank manager, only to be turned away… we found Tony. What a refreshing change! Within a 2 week time frame, we had approval and were able to follow the normal approval process to get the loan…. With Tony’s inside knowledge on how lenders think he was able to approach the bank with an excellent case and really put us in a great position in the lender’s eyes…. We recommend Tony and Home Loan Experts strongly and will be using them for our next purchase…

    Julie W & Luisa C, Waikiki WA

We are experts at finding the right home loan solution
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