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Low Doc Loans

Self-employed with limited paperwork? We specialise in low-doc lending.

Self-employed borrowers often don't fit standard bank checklists. Our low-doc loan specialists work with lenders who accept BAS statements, accountant letters or business activity statements instead of two years of tax returns.

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Why borrowers choose us for low doc loans

Local knowledge, panel-wide comparison

01

50+ lender panel

We compare low doc loans products across banks, second-tier and specialist lenders so you're not limited to one institution's rate.

02

Free, no-obligation advice

Our service is free — we're paid by the lender, not by you, and we'll always tell you if a product isn't the right fit.

03

Local, South-East Melbourne based

Based in Cranbourne, we understand the local property market across Casey and Greater Dandenong and can meet in person or online.

Common questions

Low Doc Loans FAQs

What counts as 'low doc' evidence of income?

Common alternatives include recent BAS statements, an accountant's letter confirming income, or a set number of months of business bank statements, depending on the lender.

Do low doc loans have higher interest rates?

Often slightly higher than a full-doc loan due to the extra risk lenders take on, though the gap has narrowed as more lenders compete for self-employed borrowers.

How long do I need to have been self-employed?

Most low-doc lenders want to see at least 12-24 months of trading, though this varies — some will consider shorter histories with strong supporting evidence.

Talk to a broker about low doc loans today

Free consultation — phone, WhatsApp or email, whichever suits you.

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