About Articles Fact Find Buy Refinance Retrieve Application

Low Doc Loans for Australians

Self Employed? Tax Returns not up to date? A Low or Alt Doc loan might be the way to go.

Rated 5/5 by hundreds of clients

Limited Time Offer: Get up to $4,000 cash back on settlement

Speak to an Expert

First Name

Email Address

Phone Number

Low Doc Loans for Australians

Low Doc Loans or low documentation loans are a way for self employed borrowers to get a home loan. Generally, Low Doc loans are available to those who might not have a full array of financial statements available or their tax returns may not be up to date.

Lenders typically offer low doc or alt doc loans for clients that own their own business, with as little as an accountants letter, although this might not be suitable for all self-employed borrowers. Regardless of your situation, we can assess your financial position, understand what alternative paperwork is acceptable and get you on the property ladder.

We're a proud to have worked with clients across Australia and the country to access alternative ways to fund their dream home.

Ready to buy a property?

We have access to thousands of products from banks right across Australia. Chat to an expert and see if you qualify.

Interest rates as low as:

5.79%

Headline Rate*

5.82%

Comparison Rate*

Chat to an Expert

The Loan Process

1 Initial Consult

Have a chat with one of our qualified Mortgage Brokers who will understand your situation and talk you through the next steps.

2 Fact Find

We'll work with you to understand a bit more about your situation (including your financials, assets etc.) to make sure you will qualify for a loan.

3 Pre-Approval

Once you're approved, you can start bidding or making offers on properties you want to purchase.

4 Settlement

You settle on the property, your loan draws-down and you're good to go!

See why others are choosing Finance House to help with their loan:

Bruce

I like to do things myself. When I saw that I could refinance online, I jumped at it. It was great knowing that there was someone in the background there to help.

Olivia

I was super impressed by how quick and easy it was to refinance. When we first got our loan there was a mountain of paperwork and documents to provide - this was way easier.

Josh

I managed to save more than $400 a month on my home loan - a huge relief on our household budget. Even better, I managed to refinance from my couch in less than 20 minutes.

Common Questions:

Can you help with refinancing an existing Mortgage?

Of course! We have exclusive technology that allows you to find a better loan in less than 5 minutes. We believe that we can find the best interest rate for you to refinance to, whether it's a home loan or investment loan.

Are your mortgage brokers licensed and accredited?

All of our Mortgage Brokers are accredited and members of the Mortgage and Finance Association of Australia. They are extremely professional and provide exceptional service across a range of lending options.

What kind of interest rates can you offer?

We look at all the products available across Australia every day with our exclusive technology. This means we can search thousands of products in real time and make sure we're always recommending the best home loans for our clients.

Why should I use a Mortgage Broker?

Mortgage Brokers are there to help you find the right loan whether it be from the major banks, smaller lenders or other sources. We have a broad range of products (more than any single lender can offer) which means we can do all the legwork to find the right loan for you.

Can you help self employed borrowers?

We know that Self Employed Borrowers have very specific needs so can help with making sure we find the right home loan for them. We can also assist with Low Doc and Alt Doc loans as well as Self employed loans.

Ready to see if we can help?

Get Started

Chat to an Expert Contact Us Find a better loan

Trustee for the O’Sullivan Family Trust ABN: 29 235 649 437, Credit Representative #482294 and is authorised under Australian Credit Licence 389328.

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. Names & Locations of users have been changed to protect their privacy and are illustrative only.