Overview
Low documentation loans cater to borrowers who can't provide standard income verification such as tax returns or payslips. These loans are ideal for self-employed professionals, small business owners, or contractors with irregular income streams.
While low doc loans typically require larger deposits and may have slightly higher interest rates, they create pathways to homeownership for those with non-traditional income sources. Lenders may ask for bank statements, BAS statements or accountant letters instead of complete financial documentation.
Loan options
Low doc loans
Loans requiring less documentation than standard loans, designed for self-employed borrowers who may struggle to provide traditional proof of income.
See guide
Alt doc loans
Alternative documentation loans similar to low doc loans, where you can use business bank statements, accountant declarations, or BAS statements instead of traditional income verification.
See guide
Calculators
FAQs
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