Low Doc Search Home Loans

Self-employed and need a Home Loan?
Tax Returns not up to date or short on paperwork?

Ask Now! or Call 1300 736 976

Search Home Loans

We are Low Doc Home Loan experts (since 2002) and we are determined to help you find a great Low Doc Home Loan! Check out some of our Loans using the instant Search facility below Enter the loan amount you require, the value of the security property and the features you are looking for and we will search our current database. Results sorted by Interest Rate.

Tax Returns not required to substantiate your income

Competitive rates available

Buy, Build or Refinance - vacant land also possible

Credit issues allowable (Defaults, Judgements etc)


Enter your Search criteria and we will show you the Home Loans that best matches your requirements. Our data is current and accurate.

Last Updated: Saturday, 5 October 2024.


Application Process

  • Make contact via the Enquiry form or call us on 1300 736 976.
  • We will conduct our preliminary interview with you over the telephone.
  • We will then send you a detailed email summarising our discussion and requesting appropriate paperwork.
  • You send back the information we have requested.
  • We prepare a Formal Application and email it to you for signature.
  • You sign the Application and send back.
  • We will then normally order the Valuation (usually at your cost).
  • We lodge the Application with the Lender together with the Valuation and Supporting Documents.
  • Lender will usuallydo a pre-assessment to ensure that all information has been supplied.
  • Lender will issue a Conditional Approval (if more information needed) or an Unconditional Approval is all is in order.
  • If there is anything unusual (eg: Credit issues, Valuation issues), then we will call you immediately to discuss.
  • Note: WE DO NOT lodge Applications unless we are 95% plus sure that the Application will be successful based on our discussions.

Ask Now! or Call 1300 736 976

Panel Lenders

Our Panel of Lenders:

Our panel of Low Doc Loan Lenders include:- AFG Home Loans, Better Mortgage Management, Bluestone, La Trobe Financial, Liberty Financial, MA Money, Pepper Homeloans, Redzed Lending and Resimac. Note that Banks no longer offer Low Doc loans.

Ask Now! or Call 1300 736 976

What is a Low Doc Loan?

Low Doc Home Loans are designed for self-employed Applicants who are unable to supply up to date Tax Returns to confirm their income. Instead, Borrowers can substantiate their income using a number of alternative methods which can include:

  • Supplying BAS Returns for the past 6 to 12 months (preferred option). As a rule of thumb, income is determined by sales less expenses less wages annualised over 12 months.
- OR -
  • Supplying a Lender specific Accountants Letter confirming income declared (easy option, if your Accountant is prepared to complete this Form).
- OR -
  • Supplying Business Bank Statements for the past 6 months (not the preferred option).

For competitive rates and fees, you will require a minimum 20% deposit (for a Purchase) or at least 20% equity in any property/s you are looking to refinance to qualify for a Low Doc Loan.

Finally, the interest rates are approximately 1% higher than a normal Home Loan.

Ask Now! or Call 1300 736 976

Need help understanding your loan options?Please call us on 1300 736 976 or send an enquiry now.