Low doc home loans

Compare the best low doc home loans with the help of an experienced broker

An easier way to join the property market without conventional proof of income

If you’re a freelancer, contractor, casually or self employed, or you’re someone who doesn’t meet the usual income documentation requirements for a standard home loan, a low doc home loan can help you break into the market.

Low doc home loans enable borrowers to provide alternative income verification points outside the usual documentation requirements. Not every lender offers low doc home loans, which is why it is helpful to have someone on your side to help you secure a competitive rate.

While you don’t need to provide the standard documentation during your application process, some of the documents you should have ready when applying for a low doc home loan include:

• Proof of ABN registration
• Evidence of a minimum of 12 months self employment
• Several months of bank account statements
• Most recent Business Activity Statements (BAS) verified by the ATO

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The website provides general advice only. It does not take your specific needs or circumstances into consideration, so you should look at your own financial position, objectives and requirements and seek financial advice before making any financial decisions.