Best Low doc Home loans with Realloans

Low Doc Home Loans Australia

Are you a self employed looking for low doc home loan? Thinking of purchasing your first home or refinancing your existing home loan? 

Look no further! Contact Realloans Australia for low doc home loans.

We specialise in low documentation home loans for self employed operating as sole trader or under company or trust structure.

Low Doc Home Loan with Realloans?

Expert Low Doc Broker

We have one of the best low doc home loan brokers that provide every customer a personalised service depending on their individual needs.

6+ Low Doc Lenders

With over 30 lenders and 6 plus low doc lenders, RealLoans Mortgage Brokers will provide you with the low doc loan option that is best suited for you.

Easy Loan Approval

RealLoans low doc expert will guide you throughout your low doc home loan process and ensure you have a quick easy loan approval. 

Smooth Loan Settlement

At Realloans will ensure that your low document mortgage application process is smooth and we will keep you informed throughout the process until the settlement. 

What is a low doc home loan?

Low doc also know low documentation home loan is not your normal home loan. The Low Doc home loan require very less documentation as compared to full doc home loan that usually require 2 most recent tax return (individual and company) and Notice of assessments (NOAs).

Alt doc loans are designed for self-employed individuals or business owner with ABN that cannot provide payslips, financial statements or tax returns as documented evidence of income.

For a low documentation home loan, a self-employed borrower would typically need to provide proof of income using a combination of the following:

  • Proof of ABN and/or GST registration
  • Business Activity Statements (BAS)
  • Business Account transaction statements
  • Accountant’s letter

If you’re a self-employed or small business owner and don’t have the required documents for a standard home loan application, then a low doc home loan that what you need. We at Realloans Australia, we help self-employed sole traders, contractors and small business owners and more with the home loan.

Home Loans with No and Low Documents

Even if it’s a low doc mortgage, the bank will still need sort of evidence to make sure that you are able to make regular and minimum repayments. 

  • Business Activity Statements (BAS) – Depending on the Bank and lender, they may ask for up to 12 months of BAS information
  • Bank statements – Statements to provide evidence of income over the period of time. 
  • Personal declaration – when you apply for a low doc home loan, stating how much you earn and providing a declaration you believe you can repay the loan
  • Business details – Details, such as your ABN and Business name 
  • Accountant’s letter – A document from your accountant may also be required that verify your income
  • Guarantor – Sometime from the family/relatives guarantees own your behalf that the home loan will be repaid.

Low Doc Loans Features

Borrower TypeIndividual, Company and Trust
Loan PurpousePurchase, refinance, construction of owner occupied and investment properties (including vacant land). Debt consolidation of up to 4 debts and cash out for acceptable personal purposes.
Maximum Loan Amount$10,000,000
LVRUp to 90%
Credit HistoryBad or Good
ABN/GST6 months ABN and GST is ok but 2 years old ABN and 1 year GST registered is ideal
Loan Repament TypeP&I and interest only
Interest Rate TypeVariable only
Additional Features100% offset and redraw available 

Which lenders offer low doc Mortgages?

Realloans Australia have access 5+ low doc lenders with some offering low documentation home loan for self-employed with variable interest rate. Bank are offering low doc loan principal & interest and interest only repayment along with features like 100% offset account, redraw or extra repayment jus like you normal home loan.

Many banks, credit unions, building societies and other non-bank lenders offers a non conforming home loan in Australia. When it comes to low doc home loan each lender have different lending criteria, rates, fees and features.

Most lenders offering low docs home loans will charge some sort of risk fee, ongoing fee or annual fee. That’s why it’s always a good thing to take into consideration when choosing one bank over the other, not just the interest rate.

The LVR of the home loan varies lender to lender and may also vary depending upon where the security property is located. You may surprised to know the some lender charging more risk fee for a property in regional area as compared to Metro. You may also need to more deposit, depending upon you circumstance and credit history.

Their are a good list of lenders with offer no doc – low doc loans few of them are Bluestone, Pepper, Liberty, MA Money, La Trobe Financial.

Low doc home lender are Resimac, Better Choice loc doc Home Loans, liberty, MKM Capital, Pepper Money and Latrobe Financial

What are the pros and cons of low doc home loans?


  • Simple income declaration form
  • Alternatives to tax returns as income evidence are available
  • Fully serviceable loan options, redraws, line of credit, variable or fixed rates
  • Less Paperwork
    Short and Fast home loan application process
  • Principal & Interest or Interest-only loans


  • Generally, a higher interest rate and potentially fewer features
  • Might need a larger deposit
  • Not every bank or lender offers low doc loans

Low Doc Home Mortgages in Melbourne, Sydney, and more

Home loans with low documentation in Melbourne, Sydney, Brisbane, Perth, Adelaide, Brisbane, Gold Coast, Canberra and other cities in Australia. We offer best low doc home loan in NSW, VIC, QLD, SA, WA and ACT.

Purchasing your first home in Melbourne, need a low document loan or refinancing your existing Sydney mortgage from other low doc lender or even private lender or need a low doc construction home loan in Brisbane, QLD, Contact Realloans low doc experts.

Low doc Home Loans Interest rate

Below are the low doc interest rate for an standard established home in major metro cities of Australia, Established business in an ABN (GST registered) that is 2 years old, P&I repayment and Clear credit history. The interest rate depend where the home loan is interest only, for vacant land or acreage and what is the loan amount as well.

LVRInterest Rate – Owner Occupied (P&I)Interest Rate – Owner Occupied (Interest Only)Interest Rate – Investment (P&I)Interest Rate – Investment (Interest Only)
70% or less7.20%p.a. 

Low Doc Home Loan Repayment Calculator

This low doc interest only mortgage calculator helps you work out what your regular repayments during and after interest only period will be based on your loan amount. Repayments frequency can be changed to monthly, fortnightly or weekly. Calculate both Principal and Interest repayments for a loan term.

Low Doc Mortgage FAQs

Do you offer loc doc construction loans?

Yes we offer best low doc home loan for construction in Australia. However be mindful of the LVR for low doc construction loan. It can vary on location category.

I need a loc doc loan for vacant land, which bank can lend me?

Yes, We have access to number of banks that offer loc doc land only home loan in Australia.

We about do you offer low document home loan in Australia?

We are based in Melbourne, but we can home loc documentation home loans through Australia. We provide loc doc loans in Melbourne, Sydney, Brisbane, Adelaide, Perth and other cities across Australia.

Which banks offers loc doc home loans?

If you think ANZ, NAB, Commonwealth (CBA) or Westpac bank offer loc home loan then think again. In Australia, only second tier lenders, some credit unions and private lenders offer low doc home loans.

I need to refinance my low doc home loan to better rate low doc loan, can you help?

Yes we can help you refinance your home loan with best interest rate with minimum documents. Whether your reason of refinance your home loans may it cash out, debt consolidation, ATO debt, for investment or just for better rate. We have access to the lenders that offer low doc home loan at less than 7.4% interest rate, “Don’t miss the opportunity”, Call us now

Whats is the interest rate for low doc home loan in Australia?

The interest rate for low doc mortgages in Australia starts from 6%. The low doc rate for home loan varies design upon individuals situation.

Can I get low doc home loan with Guarantor in Australia?

The low doc home loan with Guarantor is available in Australia. Your may be eligible for low doc Guarantor home loan, contact us to check your borrowing power.
Enquire now

I am a self-employed and I am thinking of buying an investment property but don’t have current financials, does Realloans offers low documentation loan for investment property?

Yes at Realloans Australia provide low doc home loans to self-employed for buying an established investment property or for construction of investment property.

Are low doc loans still available if yes what’s the maximum LVR for a home loan?

Yes the low doc home loans are still available in Australia. The maximum LVR for a low doc mortgage is 85%. With 85% Low doc home you might to provide more than 1 evidence out of BAS, Accoutant’s Letter or 3 or 6 months Business banking statement.

How do I apply for a low doc lending in Australia?

Our mortgage brokers are experts in low doc financing. Send us an online enquiry or call us at +61412447728 and we will be in touch with some free quotes from leading bank and non-bank lenders that specialise in low doc and lite doc lending.

Do you offer low doc home loans in Melbourne?

Realloans team is based in Melbourne, VIC but we offer low doc loan throughout australia. Whether its metro or rural, we provide low doc loans in Melbourne, Sydney, Canberra, Perth, Adelaide, Brisbane, Gold Coast and other regional cities across Australia.

Which banks of non conforming loan or low doc loans?

Their are a good list of lenders with offer low doc loans few of them are Bluestone, Pepper, Liberty, Redzed, MA Money, La Trobe Financial.

Do you offer low doc home loan with Accountant letter?

We offer low doc home loan with accountant letter or 6 months BAS or 6 months business bank statement.

I am Self employed and have bad credit?

At Realloans Australia, we look at the whole picture, then present you loan application to lender that suits you situation. Even if you have bad credit, we have home loan solutions that take credit blemishes into account.
We know that life can have its ups and downs, Speaking to your broker and being upfront about any credit issues can help put you on the path to home loan success.

Do you offer 90% LVR low doc home loans?

Yes we have two lenders that offer 90% LVR low doc home loans to buy an established home in Metro cities across Australia.

I am looking for 60 acres rural land, I am looking loan low doc, can you help?

We offer rural land low doc loan Australia wide, we can provide low doc financing for rural house, rural land and land under farming zone.
Acreage Loans

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