Low Doc Home Loans

Absolutely, this is exactly what we specialise in. We work with self-employed Australians every day and can structure both low doc and full doc options depending on your specific situation.

Your business success and ability to service the loan matters far more than having perfect paperwork. Most of our clients are business owners who’ve been frustrated by traditional bank requirements.

Most low doc home loans require at least 20% deposit, though some lenders will accept less for the right scenario with strong applicants. The stronger your deposit position, the better rates and loan terms you’ll typically be able to access. Having 30-40% deposit can sometimes get you rates very close to traditional bank lending.

Low doc loans require minimal financial documentation - usually just an accountant’s letter or recent BAS statements instead of tax returns and payslips. Full doc loans need complete financial records but may offer slightly better interest rates. The trade-off is speed and simplicity versus potentially marginal rate savings that often aren’t worth the hassle.

With the right documentation prepared upfront, we regularly secure approvals within 24-48 hours rather than weeks. Compare that to traditional banks who often take weeks just to tell you they need more paperwork.

Fast approvals mean you can move quickly on good properties and not miss out due to slow finance.

Yes, refinancing to access equity is one of the smartest ways to fund your next property purchase or business investment. We structure these deals to keep your tax position optimal and ensure the additional borrowing makes financial sense. Many successful business owners use this strategy to build substantial property portfolios.

We handle both owner-occupied family homes and investment properties with equal expertise. Many of our clients build substantial property portfolios using our low doc lending solutions. Investment property lending often has slightly different criteria but the same streamlined approach applies.

Typically rates are 0.5-1% higher than standard bank rates, but with strong equity positions, rates can be very competitive. The speed, certainty, and lack of hassle often more than compensates for any small rate difference.

When you factor in the opportunity cost of missed deals due to slow bank processes, the rate difference becomes irrelevant.

Bank declines don’t worry us at all - they usually just mean you don’t fit their rigid computer systems, not that you’re actually a bad borrower. We specialise in cases the major banks won’t touch because they don’t understand how real businesses work.

Previous bank declines can actually help us position your application more effectively with the right lenders.