Low Doc Home Loans Broker
Low Doc Home Loans, what are they? To put it simply, there are times when standard forms of income verification don’t tell the full story, and in these instances, a Low Doc loan could be the answer. Low Doc assessments allow applicants to prove their income using more current forms of verification, such as recent BAS statements, Account statements, and/or Accountant’s letters.
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Our Low Doc Home Loan Promise
Since Low Doc Loans typically come with a higher price tag than other ‘Fully Assessed’ home loan products, we’ll want to look at the whole picture to make sure we recommend the cheapest product available. Lenders that offer a Low Doc Loan solution will tier their interest rates and fee structures based on their own unique risk profiling guidelines. It’s our job to find you the lender, product, and risk profile with the cheapest price tag and best ongoing terms. In some cases, there may be more suitable product available through a business lending channel which offers a cheaper product, and accepts interim financial statements, or even business projections to approve your loan. Our finance professionals are specialists in the Self-Employed lending space. One way or another, we’ve got you covered.

Sunshine Coast Brokers That Care About Your Financial Success
Due to the higher cost associated with Low Doc Loans, these products are generally considered to be a ‘Band Aid’ solution, and it’s likely you’ll want to re-finance your loan to a cheaper product as soon as your standard income verification types become ‘assessable’. This may require waiting to finish out your current year of trading, or even waiting for the sale of a property. Either way, we’ll diarise these milestones and connect with you when it’s time to revisit. We don’t want our clients to pay any more interest than they need to for any longer than they must.

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A quick video about our Finance Brokerage on the Sunshine Coast
The Mortgage Brokering Process for Low Doc Loans
- Initial Chat: We’ll spend some time with you to discover your current and future needs and objectives, and find out a little about your business structure, forms of income, assets, and liabilities.
- Request Documentation: Next, we’ll send you a checklist with a list of items we’ll need to look for the most suitable product, compare the options.
- Discuss our findings and make a Recommendation: In our next appointment will discuss our findings as well as the pros and cons of the most suitable options. Based on your needs and objectives, we’ll make a recommendation for the product that most suits your needs.
- Submit for approval: Once you’re happy that the recommended product meets your needs, we’ll prepare some documents for you to sign, submit your application to the lender, and manage the application through to approval.
- Settlement: Whether your application is for the purchase of a property, re-finance, or even a loan increase to access cash for another purpose, we’ll liaise with your solicitor and/or lender to make sure settlement occurs on time and in line with the numbers we applied for.
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Low Doc Loan Support For Self-Employed Borrowers
- We have access to a wide range of Low Doc loan solutions and alternative lending products. Most of these lenders are only accessible through mortgage brokers and many of these will only work with brokers who are reputable and experienced in Low Doc loans and Specialty Lending.
- Since there are so many options in the Low Doc loan space, we’ll make sure you’re across all the various income verification types and lending guidelines so that you can help us to help get you the best deal.
- We’ll manage your application from start to finish and keep you informed at various milestones and checkpoints throughout the process.
- As your equity grows and your ‘Risk Profile’ becomes stronger, we’ll approach the lender to review your interest rates and press them to give you a better deal.
- At some stage, it will be time to re-view your lending options to see if there’s a cheaper option. We’ll check in with you regularly to keep you in the loop on ongoing lending requirements so that you can set yourselves some goals and targets to qualify for a cheaper product ASAP.
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How Can Low Doc Home Loans Help Business Growth?
A Low Doc loan could mean the difference between buying a property today, or waiting months (or years) to qualify for lending under full a verification process. Depending on your timing, the exposure to the property market (or lack thereof) could be a lucrative or costly result.

Genuine Customer Reviews & Comments
Instead of talking our low-doc finance brokerage up, please take a minute to read our customer Google reviews. This is a direct feed from our public Google business account, so you know each review is 100% genuine.
Mika
6/12/2024
I was really a beginner to home loan and buying house but Shayna and Sam explained one by one and helped me to buy a house! I had a great experience with them and I highly recommend!
Tim McGary
12/4/2024
OMG!! These guys are next level good. They have just settled our new home loan and we had another guy that took 4 weeks and did nothing. We then called these guys after a friend said they were amazing. They got us a home loan approved from start to finish in 35 days and I have just been released from a personal bankruptcy a few months back. We were unconditional on our purchase contract by the time we met these guys so they had to do everything perfectly and super quick. They did it with ease and the customer service and follow up and friendly attitude was totally incredible. I couldn’t recommend them anymore if I tried.
Kaylee Gruettner
6/12/2024
We very recently sought advice from Loanright Financial Services regarding home loan refinancing options. Sam, Luke and the team have been incredible during this process! Their customer service is second to none, consistently outstanding and exceeded my expectations every time. Sam is always inviting and made us feel comfortable but is also highly skilled, professional, efficient and kept us updated and informed in all steps of the process. I highly recommend Sam and the team at Loanright and will continue to tell everyone we know. Thank you all for taking such good care of our family!
Alyshia Judd
12/2/2024
I had a fantastic experience with Alicia. Super friendly, warm and knowledgeable 10/10.
Ashley Pearce
12/3/2024
Luke and the team helped us with a refinance and we couldn’t be happier with the result. I would highly recommend the Loanright team to anyone.
Rosalyn Taylor
12/4/2024
Brett and Alicia were a fantastic team to work with. Efficient, knowledgeable and supportive. They made the process so much easier than it could have been. Highly recommend!
Brenden Barber
6/12/2024
Norrie and the team as always were outstanding with their services. Highly recommend and will use again in the future.
Reuben Park
6/12/2024
First class team – down to earth and professional.
Thea Hambuechen
12/4/2024
It has been a pleasure dealing with Luke and his team. During the process Alicia and Shayna have been very informative and kept in contact regularly to make sure we knew what was happening every step of the way! We will definitely be using Loanright in the future and highly recommend. Thank you again for helping us purchase our first home.
Amy Honeywill
6/12/2024
We have had the privilege, not once but twice of gaining the help from Brett and Alicia. They are nothing short of incredible with their fast responses, a wealth of knowledge and the emotional support we needed! Thank you both from the bottom of our hearts – our family appreciates the work and constant moving mountains x
Daniel O’Dea
12/4/2024
Brett and Alicia came highly recommended from a work colleague. I had previously gone through a pre approval process with another broker (which will remain unnamed). The difference was night and day. Being a first home buyer I had no idea what I was doing. Both Brett and Alicia were so accomodating and answered all my silly questions and walked me through EVERYTHING step by step. We had my pre approval through in about a quarter of the time of the last brokers!! Once I found the home I wanted to buy it was literally the easiest thing in the world. They will be getting all my business.
Aran Elkington
6/12/2024
I had a fantastic experience working with Brett and the team! Their professionalism, expertise, and attention to detail made the entire process seamless and stress-free. I highly recommend their services to anyone and would definitely choose them again in the future.
Low Doc Loan FAQs
How long do I need to be trading before I can apply for a low doc loan?
The answer to this typically ranges between 1-2 years, however with continuation in the same industry some lenders will consider less.
Can I get a low doc loan for a commercial property?
Yes, and some major banks will do this with very competitive rates. The assessment requirements will depend on your deposit or equity, as well as any rent the commercial property generates.
What is a Low Doc Loan?
A Low Doc Loan is a loan product that is assessed using minimal verification of income and financial records.
How do interest rates on Low Doc Home Loans compare to Standard Home Loans
Since less verification is required to assess a Low Doc Loan, the risk is much higher for the lender. In turn, the lender may charge a higher interest rate to mitigate this risk. Your mortgage broker will look for lenders and products where your position meets the lowest risk grades and interest rates.
Are there any exit costs on Low Doc Loans
In some cases yes. But this will be different between lenders. Some may charge a higher interest rate, with little to no early termination fees, while others may offer a competitive interest rate, but charge an exit fee if you are to terminate your loan within the first two or so years.
How much deposit do I need for a Low Doc Loan
LVR or (Loan to value ratio) limits will vary between lenders, and some may even charge a risk fee if your LVR is higher than 70%. Ideally you’ll want a 20% deposit, however, there are some that will require less. Ultimately, the lower the LVR and the bigger the deposit, the cheaper your loan is likely to be.
Get In Touch With A Broker Near You
If you’d like more information about how to use finance to grow your business, then reach out and our commercial finance team will happily assist. Whether you’re in the market for vehicle finance, or specialist equipment, we have 100+ lending partners to choose from. You’ll be tapping into Australia’s largest network of banks and lenders.