Low-Doc Home Loans: Get Approved With Minimal Documentation

Specialist mortgage brokers for self-employed, business owners and freelancers

  • Borrow up to 90% of the property value
  • No need for full tax returns – Use BAS, bank statements, or an accountant letter
  • Competitive interest rates – We find lenders that don’t overcharge for low-doc loans
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16+ years in business
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$5 billion+ loans settled
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Fast & confidential loan process

Low Doc Rates At 60% LVR

Starting from

6.54%

%*

p.a.

Comparison rate

7.14%

%*

p.a.

(*Interest rates displayed are subject to change and may vary based on your individual circumstances, including your credit profile, loan amount, and other factors. Please contact us to confirm the latest rates and find the most suitable option for your needs.)

Discuss Rate With An Expert

Get Approved For A Low-Doc Home Loan

We know lenders who accept different proof of income documents, such as:

  • 6-12 months of BAS statements
  • Business bank statements
  • Accountant letter confirming income
  • Interim financial statements
  • Proof of ABN registration
Focused woman analyzing financial documents at a kitchen counter, representing budgeting and financial planning.

Who Can Apply For A Low-Doc Home Loan?

  • Self-Employed Individuals – No need for full financial statements
  • Freelancers & Contractors – Irregular income accepted
  • Investors – We make it work with multiple income sources

50+ lenders for you to choose from

Our brokers will compare thousands of home loans to find you the best fit.

Hear from our customers

Home Loan Experts reviewer
Kyall testimonial-review-star

We have been with Home Loan Experts for around 13 years and they always go out of their way to assist in offering the best product at the best rate. We have several investment loans coming off fixed rate currently and Sandhya is pre-emptive in obtaining the best rate before the rate change arrives. Home Loan Experts are very responsive to any queries we have and they quickly respond and offer options.

Home Loan Experts reviewer
Jimbo testimonial-review-star

Would recommend and use again! – Romy and his team have arranged a low doc home loan and a full doc refinance for me. They are incredibly responsive, gave helpful advice and pushed the process along (getting bogged down in paperwork probably would have delayed or ended the re-fi process without their help!). We will keep using them and recommend them to anyone who asks.

Home Loan Experts reviewer
JayF testimonial-review-star

Great working with the Home Loan Experts team. They were happy to look into all our concerns and answered all questions. Being self-employed, they sorted out the best lender for me. They showed patience and knowledge of their processes. Very pleased with the outcome.

testimonial-review-star

4.9 out of 2,000+ reviews

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4.8 out of 430+ reviews

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4.8 out of 940+ reviews

Award-Winning Expertise At Your Service

Better Business Awards 2023: Best Large Independent office (Office) award logo
Better Business Awards 2024: Best Customer Service (Office) award logo
Homan Resources Director Asia - 5 Star Employers Of choice- 2023 award logo
The Adviser Australian Broking Award Winner for Major Independednt Brokerage of the year 2023 Award Logo
Better Business Awards 2022: Best Customer Service (Office) award logo

Ready To Secure Your Low-Doc Home Loan?

Our expert mortgage brokers will find the right solution for you.

  • Enquire With Us

    Fill out our free assessment form or call us on 1300 889 743 to get started.

  • Check Your Eligibility

    A dedicated mortgage specialist will review your situation, determine whether you qualify for a low-doc home loan and contact you.

  • Secure Your Home Loan

    We’ll connect you with a lender that aligns with your goals and help you buy your home sooner.