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The Leaders in Low Doc Home Loans
We put you first. No matter your circumstances, we'll do our best to find you the right home loan through our network of 40+ lenders.
Speak with an independent broker now to find the right loan for you
No matter your situation, we are here to help. We're specialists in Low Doc Home Loans with years of experience under our belt.
Thank you. The Assured Lending team will be in touch shortly.
We compare over 40 of Australia’s leading lenders with a choice of hundreds of home loan products
LOW-DOC HOME LOAN PROCESS
Understand our process
No matter what your circumstances, we will find the right home loan for you from our range of Australia’s leading lenders. We will do all the research and then present you with all your options.
Talk with our broker
Step 01
Loan Eligibility Review
Kickstart your loan journey with a quick 5-minute eligibility review over the phone.
Step 02
Borrowing Power Calculation
Discover your borrowing power. We'll calculate the amount you can borrow, providing you with a clear understanding of your financial potential.
Step 03
Extensive Loan Comparison
We'll compare a wide range of home loans from Australia's leading lenders, specializing in self-employed loans. Find the perfect options tailored to your unique needs
Step 04
In-Depth Loan Options
Explore your loan options in detail. We'll explain the pros and cons of each choice, outline different lender requirements, and clarify the terms and conditions available.
Step 05
Application Assistance
Ready to move forward? We're here for you day or night, providing personalized support to go over your application and address any questions you have
Step 06
Application Management
We take the reins. Our team assembles your application and handles interactions with the lender, accountant, and lawyers on your behalf, ensuring a speedy approval process
Step 07
Contract Understanding and Settlement
Once your application is approved, we guide you through understanding the contracts and ensure everything is prepared for a smooth settlement process.
Don't hear it from us. We've got over 100+
5-Star ⭐ Google Reviews
5-Star ⭐ Google Reviews
I wholeheartedly recommend Quintin as a mortgage broker for anyone seeking to refinance an SMSF loan. His deep knowledge, attention to detail, prompt communication, and unwavering dedication to client satisfaction make him an outstanding professional in his field.
Hoai Huynh
Quintin was so professional from start to finish. Answered all of of questions and made the whole process smooth and simple. Highly recommended.
Danny Bray
Amanda from Assured Lending Mortgage Brokers was instrumental in assisting me with purchasing my first property. She was extremely approachable, knowledgeable and very responsive. Whenever I had a question she was quick to respond and provided me with insightful and expert advice throughout the process.
Drazen Cuca
Couldn’t be happier with the service provided. Being my first home loan, I had lots of questions – Quintin was very helpful, knowledgeable and provided thorough explanations. Good communication was key and he was readily available for a chat from start to finish.
Roy Kennard
Quintin is friendly and approachable. He explains everything well. He was always contactable and got the loan done quickly and efficiently. I would definitely use Quintin again 😀
Sarah Marsh
Own a Business or Have Irregular Income? We Can Help You Get a Home Loan
If you’re self-employed, run your own business, or have fluctuating income that makes traditional mortgage applications difficult, a Low Doc Home Loan could be the right solution for you. At Assured Lending, we specialise in helping borrowers all across Australia secure home loans without the full documentation required by most lenders - while making sure you understand all your options.
What Is a Low Doc Home Loan?
A Low Documentation (Low Doc) Home Loan is a mortgage designed for borrowers who cannot provide standard income paperwork, such as two years of tax returns or traditional payslips. Instead, lenders accept alternative income verification like accountant declarations and business statements. These loans are most commonly used by:
- Self-employed business owners
- Freelancers, contractors, and consultants
- Borrowers with seasonal or fluctuating income
- People whose tax returns aren’t up to date
Unlike traditional loans that require detailed financial records, low doc loans focus on reasonable proof of income while maintaining the same documentation standards for identity and savings.
Who Can Benefit from a Low Doc Loan?
You might be a good candidate for a low doc home loan if any of the following apply:
- You’ve been self-employed for at least 6 months
- Your tax returns aren’t up to date or don’t reflect your income situation
- Your income varies from month to month
- You prefer to provide a statement of income from an accountant rather than two years of tax returns
- Your previous home loan was declined due to lack of documentation
These loans give many borrowers a chance to access finance they might not otherwise qualify for — especially when their income is complex or non-traditional.
How Low Doc Loans Work
Low doc applications through Assured Lending typically require:
- Proof of ABN and/or GST registration
- Business Activity Statements (BAS)
- Business bank transaction statements
- Accountant’s income declaration letter
- Personal ID and savings evidence
In many cases, the only income proof needed is a Borrower Certificate of Income Declaration signed by your accountant, sometimes accompanied by recent BAS statements.
Pros & Cons of Low Doc Home Loans
Advantages
- Simplified documentation — less paperwork than full doc loans
- Helpful for self-employed borrowers unable to supply full tax returns
- Still offers common home loan features such as fixed or variable rates
Considerations
- Higher interest rates — lenders price these loans higher due to increased risk
- Possible loan limits — borrowing capacity may be lower than with full documentation
- Additional fees or mortgage insurance may apply in some cases
- You may be limited to around 80% Loan-to-Value Ratio (LVR) without lender mortgage insurance, with some options up to 90% at higher cost
Understanding these factors helps you make an informed choice that aligns with your financial goals.
Why Choose Assured Lending for Your Low Doc Loan?
When traditional lenders say “no,” having an experienced broker matters. At Assured Lending:
- We’re experienced with self-employed and low doc lending
- You get access to multiple lender panels
- We help you understand all costs, terms, and conditions up front
- We guide you with personal support from start to settlement
Ready to Explore Low Doc Home Loan Options?
If you’re ready to buy or refinance but don’t have standard income documentation, let’s talk. We’ll help you navigate your options and find a solution that works.
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Looking for home finance? Deal with an independent mortgage broker from Assured Lending who is committed to getting you the best deal. Let's start a no-obligation chat now.
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