Low Doc Loans
Do not let a lack of traditional documentation stop you from securing finance. With a Low Doc Loan, we help self-employed Australians access flexible home lending.
Sometimes gathering full financial documents can be challenging or time-consuming. Low Doc Loans offer a flexible solution, allowing you to apply with less paperwork while still accessing competitive lending options. Whether you’re purchasing a home, refinancing, or investing, a Low Doc Loan can make property ownership easier without the usual documentation hurdles.
A Low Doc (Low Documentation) Loan is designed for borrowers who may not have full financial documentation—such as two years’ worth of tax returns—but can still demonstrate their ability to repay the loan through alternative means.
These loans are ideal for:
How is a Low Doc Loan Different?
With a Low Doc Loan, you may be able to provide:
Why Choose a Low Doc Loan?
Low doc loans are designed for Australians who have the income and capacity to repay a loan but may not have the standard financial paperwork required for traditional home loans. They’re especially popular among self-employed professionals, freelancers, contractors, and small business owners who often have irregular income streams or complex tax structures.
If you’re running your own business, recently started working under an ABN, or your latest tax returns do not fully reflect your true earning capacity, a low doc loan can provide the flexibility you need. These loans allow you to verify your income using alternative documentation, such as Business Activity Statements (BAS), bank statements, or an accountant’s declaration.
Low doc loans can also benefit property investors, seasonal workers, and those with a strong financial track record but without up-to-date tax records. By working with an experienced Sydney mortgage broker, you can access lenders that understand self-employed borrowers and secure a loan that suits your goals.
Is a Low Doc Loan Right for You? Let’s Weigh the Options
While Low Doc Loans offer greater flexibility, they may come with:
We will walk you through all the pros and cons, and help you find the most competitive options from specialist lenders who understand self-employed borrowers.
Most lenders require your business to be operating for at least 12 months, but some may consider shorter periods depending on your income type and industry.
Yes — Low Doc Loans can be used to refinance existing home or investment loans, especially if you have recently become self-employed.
Not always. Some lenders accept other forms of documentation such as BAS or business bank statements, depending on the loan amount and LVR.
Yes, interest rates on low doc loans are usually higher than standard home loans, as they are considered higher risk by lenders. However, shopping around or using a mortgage broker can help secure competitive rates.
Borrowing limits vary by lender, but most low doc loans allow borrowing up to 80% of the property value (LVR). Some lenders may require a larger deposit to reduce their risk.
With a Low Doc Home Loan, you can move forward faster and with less stress, opening the door to new opportunities sooner. Talk to our experienced team today for an obligation-free consultation and discover how easy it can be to secure your home loan with minimal documentation.
Prince Capital Solutions Pty Ltd ABN: 24 147 935 055 is an Australian Credit License #426244
Disclaimer: This page provides general information only and has been prepared without taking into account your objectives, financial situation or needs. We recommend that you consider whether it is appropriate for your circumstances and your full financial situation will need to be reviewed prior to acceptance of any offer or product. It does not constitute legal, tax or financial advice and you should always seek professional advice in relation to your individual circumstances.
Site by Broker Studio