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Low Doc
Loans

Low Doc Loans

Low doc loans are a great alternative for people who don’t earn income in a traditional way. If you are self-employed, run your own business, contract or freelance, or have an irregular income, this type of loan can give you access to finance without excessive paperwork.

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Who are Low Doc Loans For?

Low doc loans may be suitable if you are:

  • Self-employed
  • A sole trader
  • A contractor or freelancer
  • about to start a business
  • Experiencing fluctuating income
  • Late lodging tax returns
  • Working irregularly
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How We Make Low Doc Finance Easy

Our Melbourne loan brokers will help you:

  • Understand what documents the lender will accept
  • Choose a loan type that aligns with your income
  • Prepare a strong application
  • Avoid lenders who don’t support your circumstances
  • Help you understand deposits, rates and loan features
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FAQs

Answers to the most common questions about low doc loans.

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Do I need tax returns for a loan?

Not always. For low doc loans, lenders let you use BAS, bank statements or an accountant’s letter instead.

Are low doc loans more expensive?

Loans can have different rates or terms, but it depends on the lender and your financial situation.

How much can I borrow with a low doc loan?

This is different and depends on your documents, income stability and deposit. There are certain lenders who will up to 80% LVR, while others are more flexible.

Can new business owners get a low doc loan?

Even if you haven’t been in business long, some lenders will consider you if you can show strong business activity or income.