Low Doc Home Loans

Flexible Home Loan Solutions for Self-Employed Borrowers

For many self-employed borrowers, traditional home loan applications aren’t always straightforward.

That’s why many lenders provide low doc home loans, a flexible solution tailored for individuals who may not have access to all the standard financial documentation required by traditional banks.

We have many low doc home loan specialist lenders across our panel of over 50 lenders that focus on providing cost effective lending solutions for self-employed borrowers.

These specialist and non-bank lenders can finance solutions for customers that either don’t have their most recent tax returns and financial statements completed, or have non-standard earnings profiles.

What Are Low Doc Home Loans?

Low doc (low documentation) home loans are specifically designed for borrowers who don’t have the traditional income verification documents, such as full financial statements or PAYG payslips.

These loans are ideal for self-employed professionals, freelancers, contractors, and small business owners who can demonstrate their ability to repay through alternative forms of documentation.

What documents do I need for a low doc home loan?

Typically, self-employed borrowers will need a combination of some of the following forms of documentation to qualify for a low doc home loan:

• Business Activity Statements (BAS)

• Evidence of ABN and/or GST registration

• Bank statements

• A customer income declaration

• An accountant’s declaration

Features and Benefits of Low Doc Home Loans

Features

• Flexible Documentation Requirements: Use BAS, bank statements, or accountant declarations instead of traditional payslips.

• Competitive Interest Rates: While rates may be slightly higher than standard home loans, Natloans helps you find the most competitive options.

• Loan Options: Access variable, fixed, or interest-only loan structures based on your needs.

• Loan-to-Value Ratio (LVR): Generally you can borrow up to 80% of the property value, sometimes more, depending on the lender and your circumstances.

Benefits

• Streamlined Application Process: Avoid the hassle of collecting extensive financial records.

• Tailored Solutions for Self-Employed: BorrowersFlexible eligibility criteria designed for non-traditional income earners.

• Expert GuidanceNatloans specialists: help you navigate the low doc loan market to secure the best deal.

• Achieve Home Ownership Sooner: With fewer barriers to approval, you can purchase or refinance your property faster.

Who Can Benefit from Low Doc Home Loans?

Low doc home loans are suitable for:

• Self-employed individuals with inconsistent income streams
• Business owners without recent full financial statements
• Freelancers or contractors with alternative income documentation
• Borrowers with solid savings or equity but limited documentation

Why Choose Natloans for Low Doc Home Loans?

At Natloans, we specialize in connecting self-employed borrowers with low doc home loans that suit their unique financial situations.

• Wide Lender Network: Access to competitive low doc options from leading
  Australian lenders.
• Personalised Support: We’ll help you compile the necessary documentation and guide you through the entire process.
• Expert Negotiators: We work hard to secure the best interest rates and terms for you.

Start Your Journey Today!

If you’re self-employed or have a non-traditional income, a low doc home loan could be your right for you.

Contact Natloans today for expert advice and tailored solutions.