Low Doc & Alt Doc Loans
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Low Doc & Alt Doc Loans
Flexible lending for when life doesn’t fit inside a standard form.
We look beyond paperwork, we focus on the person behind the plan. If you’re self-employed, a sole trader, or earning non-traditional income, our Low Doc and Alt Doc loans give you real access to home finance without the limitations of strict, full-documentation requirements.
Who Are These Loans For?
Low Doc and Alt Doc loans are designed for Australians whose income or documentation doesn’t fit traditional PAYG requirements. These loans are ideal for:
- Freelancers, sole traders, and contractors
- Business owners seeking working capital or expansion
- Borrowers with newly registered ABN or GST
- Clients with past credit issues, including defaults or bankruptcy
- Self-employed borrowers without two years of tax returns
- Company directors or trading businesses looking to purchase residential or commercial property
Key Features
Features of Low Doc & Alt Doc Loans
Flexible documentation options
Choose from multiple income-verification pathways that suit your situation.
Support for imperfect credit
Past defaults, arrears, or recent discharge may still be considered.
Competitive interest rates
Tailored based on your LVR and loan structure.
Multiple loan types available
Principal & Interest or Interest-Only options to match your cash flow.
Redraw and offset features
Available on select products for better money management.
No credit-scoring policies
With certain lenders, giving more flexibility for non-traditional borrowers.
How It Works: Low Doc & Alt Doc Loans
Our streamlined approach makes alternative-documentation lending simple, flexible, and accessible.
Alt Doc Loan Essentials
6+ months ABN & GST registration, Declaration of financial position
Low Doc Loan Support
Proof of ABN and GST, Business account transaction history
What About Credit History?
Borrowers with non-genuine savings, Recent credit events or arrears
What Are the Costs?
Application or establishment fees, Valuation and legal fees, similar to home loans
