Your Mortgage

Australia's Only
Independent Mortgage Website

Low Doc home Loans

Low-doc loans require less paperwork to show savings history and capacity to repay the loan. However, low-doc lending has changed dramatically over the past
12 months, with low-doc borrowers now being limited to a maximum borrowing of 60% LVR without Business Activity Statements (BAS).

As a low-doc borrower, most lenders want to see your BAS or, if you have them, details of previous tax returns. These days, attempting to get ‘cash out’ as a low-doc borrower is very difficult. With the banks’ tight restrictions on who they can lend to, low-doc loans are becoming harder to get. Nevertheless, these loans are extremely handy for seasonal, self-employed and contract workers, and full-time investors. It essentially caters to those not meeting standard lending criteria.


Low-doc loans have allowed thousands of Australians who, for various reasons, have been rejected by mainstream credit providers, to access a mortgage.
If you can supply sufficient documentation you will usually be able to borrow at mainstream lending rates.


Low-docs usually attract higher interest rates and establishment fees than conforming products. Nowadays, low-doc loans have lower LVRs so you’re not able to borrow as much as before.

Suitable for

Low-doc loans are popular with property investors, self-employed, contract and seasonal workers or families who have just moved to Australia.

Low Doc Home Loans
Borrow Up To 80%. Fast Approval.
No Paperwork And No Ongoing Fees


Thursday, May 25, 2017
Top Featured Rates
Top Bank Rates

Special Offers

Your Mortgage TV

Other Categories


Most WA residents plan to move house in next 3 years

New ABS statistics reveal that nearly three in four Western Australians plan to ... Read more

6 landscaping tricks that add $15,000 value to your property

Forget the dull gardening shows on Sunday TV, landscaping is highly important fo ... Read more

Could it be the best time to access a loan?

A leading national mortgage broking group has claimed that many Australians curr ... Read more

more More Forums