No financials to prove your income?
We can help!

  • No income evidence required.
  • Borrow up to 60% at competitive rates. Larger loans are also possible at higher rates.
  • Bad credit history? You may still be able to get a loan.

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 loan work?

A no doc loan is similar to a low doc loan in that no tax returns are required to get your loan approved however you don’t need to provide any income evidence. Instead you will need to sign an affordability statement which confirms that you understand the amount of the repayments and that you can afford the debt.

No doc loans are also NCCP unregulated so you’ll have to sign an investment or business purpose declaration to prove that the loan is NCCP unregulated.

*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.

How much can I borrow?

  • 60% of the property value: we can obtain a loan through larger second tier lenders at competitive interest rates.
  • 75% of the property value: we can obtain a loan through smaller lenders at higher interest rates.
  • 80% of the property value: we can obtain short term caveat loans only, typically at an expensive interest rate.

In most cases, lenders will limit the loan amount to to $1,000,000 per borrower.

What kind of property is acceptable as security?

  • Readily saleable and in good condition.
  • Located in a capital city or major regional location.
  • Larger than 50 m2 for a unit or under 2 hectares for land.
  • Offices, factories, warehouses and retail properties are acceptable.

What kind of rates can I get?

The type of lender that you use, the nature of your security property and your credit history will determine the interest rate that you will pay. Basically, the higher the risk you are to the lender, the more expensive your loan will be.

In most cases, low doc loans range from 7% p.a. to 11% p.a. depending on the percentage of the property value that you’re borrowing and your credit history. If you’re looking for a short term caveat loan then you can expect to pay 24% – 76% p.a. In most cases this type of caveat lending does not benefit the borrower and so we’ll not help you to apply for a loan like this except in exceptional circumstances.

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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