A low documentation home loan, often referred to as a “low doc loan,” is a type of mortgage designed for individuals/company & trust entities who may have difficulty providing traditional documentation to prove their income or financial status.

Unlike conventional mortgages that require extensive documentation like tax returns & financials, whereas Low-Doc loans you can choose between” self-declaration of income confirmed by an accountant or a Business Activity Statement.

Are you self-employed and your ABN was only created within 18 months? Or even less than 6 months? There are options here for you, traditionally lenders would require you to provide 24 months of tax returns in the capacity of being self-employed, here we have some options for you where you can self-declare your income capacity verified by an accountant.

Instead of relying on traditional income documentation, lease doc loans consider the income generated from rental leases as the primary source of income for qualifying for the loan. If your lease can cover interest repayments usually this would be the criteria for servicing.

We provide mortgages to self-employed professionals in various unique employment circumstances, whether they practise through sole trading, within a corporate structure, through short-term work, in complex income structures including trusts, or by recently becoming self-employed. Regardless of your situation, we have the expert knowledge to find the right loan solution for you.

Our goal is to streamline the entire loan process. That’s why we provide access to Solicitors and Accountants that specialise in the self-employed profession to ensure you find a loan that fit your unique needs. We can also assist with refinancing your existing home loans and ensure they are correctly structured for long-term investment success.

A property loan is likely the highest expense associated with setting up your own business. Our consultants are here to make the process easier and as cost-effective as possible, whether you are purchasing a strata-titled suite or a freehold commercial property for your business.

Self-Employed Mortgages can also assist with building your property and wealth portfolio with other commercial properties outside your business including office, retail and industrial properties.

Furthermore, we can help refinance any existing commercial property loans you may have.

Self-Employed Mortgages can also assist with Construction Loans and help build the perfect property that suits the needs of you and your clients.

Self-Employed Mortgages can provide you with a range of loan and lease options for business vehicles and private vehicles. Let us look after the finance while you focus on finding the vehicle that’s right for your business.