Best Low doc Home loans with Realloans

90% LVR Low Doc Home Loan

Are you a self employed looking for low doc home loan with 90% LVR or have only 10% deposit? Thinking of purchasing your first home or refinancing your existing home loan? Look no further!

Contact Realloans Australia for low doc home loans.

90% LVR Low Doc Mortgage 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. 

Low Doc Home Loan with 10% deposit

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$2,500,000
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 90% LVR low doc Mortgages?

Realloans Australia have access 5+ low doc lenders with some offering low documentation home loan for self-employed up to 90% LVR . Bank are offering low doc loan principal & interest and interest only repayment along with features like 100% offset account, redraw or extra repayment just like you normal home loan.

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

90% LVR Low Doc Home Mortgages in Melbourne, Sydney, and more

Home loans with low documentation and 10% deposit 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 don’t have 20% deposit, 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.

Home Loans Interest rate with 90% LVR, low doc

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)

90% LVR Low Doc Mortgage FAQs

Do you offer 90% LVR low doc home loans in Melbourne?

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

I need to refinance from private lender to low doc loan, can you help?

Yes we can help you refinance your private 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.

Whats is the interest rate for low doc home loan at 90% LVR in Australia?

The interest rate for low doc mortgages in Australia starts from 8.5%. The low doc rate for home loan varies design upon individuals situation.

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.

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 90% LVR low doc home loan with Accountant letter?

We offer low doc home loan with 90% LVR 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 low doc home loans to buy an established home in Metro cities across Australia.

Let our Realloans broker get you your doc home loan.

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