Incomplete documentation? We'll get you the Loan

If you are self-employed or a small business owner and do not have the necessary documents for a standard home loan application. You’ll need the experts to help you get a low doc home loans with minimal paperwork.

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Low Doc Home Loans

What is a Low Doc Home Loans?

The term “Low Doc” home loan can mean different things depending on the lender you are dealing with. The term was commonly used before the 2008 Global Financial Crisis (GFC) to refer to a mortgage that required less information than a ‘standard’ home loan to prove the applicant’s ability to repay the loan.

Following the GFC, national consumer credit protection legislation was introduced which stated that loans with low levels of documentation did not meet these credit requirements and were therefore no longer offered to consumers.

Don’t have the documentation for a regular home loan.

Are you interested in applying for a low doc loan with high loan amounts and mortgage brokers are not helping due to higher risk?

Confused about lending criteria and the banking terms full doc home loan, fixed rates, variable interest rates, comparison rates, and ratio LVR etc.

In the ever-changing Australian mortgage market, homebuyers have seen increasing specialised lending products tailored to their different financial situations. Among these innovative offerings, LowDoc home purchase loans have become a lifeline for the self-employed, allowing them to realise their dream of home ownership without the stringent documentation requirements of traditional loans.

Owning a home is a cherished dream for many, and Low doc Home Loans is here to make that dream a reality. We specialise in hassle-free home financing solutions, catering to individuals who may not have traditional income documentation readily available. Exploring our services, benefits, and how we can help you achieve your homeownership goals is helpful.


What are low-documentation loans and loans with no conditions?

Are you self-employed or have a mixed credit history?

Not everyone is a typical wage or salaried (pay as you go (PAYG)) worker. If you are self-employed or your circumstances are unusual, there may be options available to help you get your first home. 

Loans for self-employed persons / sole traders

If you are self-employed or a sole trader, it is important to keep all your financial documents up to date. In this case, applying for a home loan is no different from applying for any other home loan. Lenders usually need to see your most recent one to two years of personal and company tax returns …

Low doc loan?

Low doc loans are specifically designed for the self-employed, who often cannot provide traditional proof of income, such as regular payslips. The term “low doc” does not mean that you have to provide less proof of your income – rather, it refers to different types of proof of your income. Not all lenders offer low doc loans. Those that do may require a higher deposit or a higher interest rate. 


A Low Doc loan can help you get your own home even if you don’t have up-to-date documents. Some lenders may be satisfied if you self-certify your income. This means that you have to sign a certificate (and possibly get approval from your accountant) stating that your income is enough to cover your home loan payments.

Low Doc Home Loans?

Low doc Home Loans provide several advantages that can significantly impact your homeownership journey

Simplified Documentation

With Lowdoc Home Loans, you can say goodbye to stacks of paperwork. Our loan programs require minimal documentation, saving you time and reducing stress during the application process.

Faster Approval Process

Due to reduced paperwork requirements, Lowdoc Home Loans typically have faster approval times, allowing you to move forward with your home purchase more quickly.

Greater Flexibility

Lowdoc Home Loans offer greater flexibility in assessing your financial eligibility. Instead of relying solely on traditional income documentation, we consider various financial aspects, such as bank statements, business revenue, and tax returns.

Tailored Solutions

Our experienced professionals work closely with you to understand your unique financial situation. We then tailor a home loan solution that aligns with your needs, ensuring you get the best terms and interest rates.

Competitive Interest Rates

Despite the simplified documentation process, Lowdoc Home Loans offer competitive interest rates, enabling you to secure an affordable loan without compromising on the quality of the loan.

Understanding Lowdoc Home Loans

Lowdoc Home Loans cater to self-employed individuals, freelancers, and small business owners who may find it challenging to provide conventional income documentation. Our unique loan programs require less documentation, making it easier to secure a home loan without the typical paperwork hassles.

LowDoc home loans (short for “Low Documentation”) were introduced in Australia to meet the specific needs of self-employed individuals and small business owners who may not have typical financial documents such as payslips and tax returns to support their loan applications. Traditional loans often require extensive paperwork to prove income and financial stability, making it difficult for self-employed borrowers to qualify for a loan. LowDoc home purchase loans allow eligible borrowers to submit less paperwork while ensuring access to the necessary financing to purchase the property.

Low Doc Home Loans
Low Doc Home Loans

Eligibility and documentation

To be eligible for a LowDoc home loan, applicants must be self-employed or small business owners with solid trading history. Lenders generally require borrowers to have held an Australian Business Number (ABN) for at least two years, although specific requirements may vary between financial institutions. In addition, borrowers are usually required to have a clear credit history and to demonstrate that they can comfortably service the loan.

A key feature of LowDoc home loans is the reduced documentation requirements. Whereas traditional loans require proof of income through tax returns and pay slips, applicants for LowDoc loans can submit alternative documents such as Business Activity Statements (BAS), bank statements and letters from accountants. The purpose of these documents is to give a reasonable idea of the borrower’s income and financial capacity to repay the loan.

The Importance of Lowdoc Home Loans

The traditional mortgage application process can be arduous and time-consuming, especially for self-employed individuals. Lowdoc Home Loans offer a simpler, more streamlined approach, recognising the financial capabilities of borrowers beyond conventional income records. This is especially beneficial for those with fluctuating incomes or unique financial circumstances.

Low Doc Home Loans

Qualifying for Lowdoc Home Loans

Qualifying for a Lowdoc Home Loan is easier than you might think. The flexible criteria consider factors beyond traditional income records, including

Financial Stability

We assess your financial stability based on bank statements, tax returns, and other financial records, allowing us to determine your repayment capacity.


Your credit score and credit history play a crucial role in loan approval. While a good credit score is beneficial, we consider alternative credit data to assess creditworthiness.

Asset Value

If you have valuable assets, such as property or investments, we consider them to strengthen your loan application.

The Lowdoc Home Loans Process

Securing a Lowdoc Home Loan is a straightforward process:


Begin by getting pre-approved for a Lowdoc Home Loan. This step provides a clear understanding of your budget and home-buying capabilities.


Gather the necessary documentation, which is less extensive than traditional mortgage applications.

Loan Application

Submit your loan application and the required documentation to our team of experts.

Loan Approval

Once your application is reviewed and approved, you will receive a formal offer outlining the loan terms.

Closing the Loan

Upon accepting the offer, finalise the paperwork, and complete the loan closing process.

Business funding options to keep up the momentum going.

Partnering with Lowdoc Home Loans

At Lowdoc Home Loans, we take pride in helping individuals achieve their homeownership dreams. Partner with us for:

  • Expert Guidance

Our experienced professionals will guide you through the loan process, answering your questions and providing expert advice.

  • Access to Loan Programs

Choose from various Lowdoc Home Loan programs tailored to your unique financial situation.

  • Simplified Process

Experience a simplified and efficient loan application process, minimising paperwork and delays.

  • Personalised Solutions

We work closely with you to understand your needs and tailor loan solutions that align with your financial goals.

  • Transparent Communication

Expect clear and transparent communication throughout the loan process, ensuring you are informed at every step.

LowDoc’s home purchase loans have significantly contributed to a level playing field for self-employed individuals and small business owners in the Australian property market. By offering an alternative to the traditional stringent documentation requirements, these loans have made it easier for those who would otherwise have found it challenging to qualify for a mortgage to achieve their dream of home ownership. As with any financial decision, potential borrowers should conduct thorough research and seek professional advice to determine whether a Low Doc home purchase loan fits their unique financial circumstances and goals.

Owning a home is a milestone that should be accessible to all, and Lowdoc Home Loans strives to make that a reality for self-employed individuals and small business owners. With our simplified application process, tailored loan programs, and expert guidance, we empower you to embark on your homeownership journey with confidence. Experience the ease and convenience of Lowdoc Home Loans and take the first step towards owning your dream home.

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