Low Doc Loans
Low Doc Loans for Self-Employed Australians Who Don't Fit the Traditional Mould
Rated 5 from 126 Reviews
Refinancing
Low Doc Loans for Self-Employed Australians Who Don't Fit the Traditional Mould
Rated 5 from 126 Reviews
Low Doc Loans made simple
Running your own business shouldn’t stand in the way of owning a home or growing your property portfolio.
If you’re self-employed, you may not have the standard income documents that many traditional home loan applications require. That doesn’t necessarily mean your borrowing options are limited.
At Australian Home Loan Review Co., we review your circumstances and compare Low Doc Loan options from a panel of more than 49 Australian lenders. Our goal is to help you understand what options may be available before connecting you with the most suitable mortgage broker to guide you through the application process.
Whether you’re purchasing your first home, refinancing an existing loan or investing in property, we’re here to help you make an informed decision with confidence.
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Who are Low Doc Loans designed for?
Low Doc Loans may be suitable for borrowers who have a genuine income but don’t meet the standard documentation requirements of some lenders.
This may include:
✔ Sole traders
✔ Contractors
✔ Freelancers
✔ Small business owners
✔ Company directors
✔ Self-employed professionals
✔ Applicants with non-traditional income verification
Every lender has different lending policies, which is why comparing multiple lenders can make a significant difference.
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What documents may be accepted?
Many lenders offer flexible ways to verify income for eligible self-employed borrowers.
Depending on the lender and your circumstances, acceptable documentation may include:
Business Activity Statements (BAS)
Business bank statements
An accountant’s declaration or letter
GST registration
Business financial statements
Other acceptable income verification
The documentation required will vary between lenders and is always assessed on an individual basis.
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Why compare more than 49 lenders?
Not all lenders assess self-employed borrowers in the same way.
Some lenders may offer greater flexibility when considering:
Time in business
Income verification requirements
Loan-to-Value Ratio (LVR)
Deposit size
Credit history
Business structure
Existing debts and liabilities
Comparing multiple lenders increases the likelihood of finding a loan that suits your financial circumstances rather than trying to fit within the policies of a single lender.
That’s where our loan review process can make a real difference.
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Benefits of a Low Doc Loan review
A review of your borrowing options may help you:
✔ Purchase your first home
✔ Refinance your current home loan
✔ Buy an investment property
✔ Access available equity
✔ Reduce your repayments
✔ Consolidate existing debts
✔ Find a lender better suited to self-employed borrowers
✔ Understand your borrowing capacity
Even if you’ve previously been declined elsewhere, another lender may assess your application differently.
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Our simple four-step process
1. Complete your free loan review
Tell us a little about your income, business and property goals.
2. We compare your options
We’ll review Low Doc Loan products from more than 49 Australian lenders.
3. Receive personalised recommendations
We’ll explain the options that may be suitable for your circumstances, including the features, benefits and key considerations.
4. Connect with the right mortgage broker
If you decide to proceed, we’ll introduce you to an experienced mortgage broker who will manage the application from submission through to settlement.
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Why choose Australian Home Loan Review Co.?
We’re different because we focus on helping Australians review their borrowing options before choosing a lender.
Rather than recommending one specific bank, we compare loan products across a broad panel of Australian lenders to identify options that suit your circumstances.
Our review process is designed to save you time, provide greater choice and give you confidence that you’re making an informed decision.
Whether you’re self-employed, refinancing or purchasing your next property, we’ll help you explore your options with clarity and confidence.
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Ready to explore your Low Doc Loan options?
Being self-employed doesn’t mean your home ownership goals need to wait.
Complete your free loan review today and discover whether a Low Doc Loan could be the right solution for your circumstances.
Book My Free Consultation
1. Free Home Loan Review
We begin with a complimentary review of your current home loan to understand your financial goals and identify opportunities to save.
2. Compare Loan Options
Our mortgage specialists compare a wide range of lenders and loan products to find refinancing options that best suit your needs.
3. Personalised Recommendation
We explain your options in plain English, outlining the potential savings, costs, and benefits so you can make an informed decision.
4. Application & Approval
Once you’ve chosen a loan, we handle the paperwork, liaise with the lender, and guide you through the approval process from start to finish.
5. Settlement & Ongoing Support
After your new loan settles, we remain available to answer your questions and provide ongoing reviews to ensure your home loan continues to meet your financial goals.
At Australian Home Loan Review Co., we’re committed to helping Australians make confident home loan decisions.
Rather than approaching just one lender, we compare loan options from more than 49 Australian lenders, helping you explore solutions that align with your needs, objectives and financial goals.
Once we’ve identified suitable options, we’ll connect you with one of our trusted mortgage broker partners, who will guide you through the application process from start to settlement.
Whether you’re refinancing, buying your first home, building, investing or upgrading, we’re here to make your home loan journey simpler, more transparent and tailored to you.
Book AppointmentDM
Daniel Mitchell
Highly recommend, very professional and friendly. We had a great experience, the whole process was easy and quick too.
TP
Tom P
Highly recommend Rob and his team. We have used Rob for a number of years now and he always delivers the outcomes we need. Makes the process really straight forward and efficient, and is able to explain options in an easy to understand way. Rob is exceptionally hardworking and genuinely invested in helping his clients achieve their goals. Rob is very well supported by Sue and Julie who are also great to deal with.
MK
Michael Karimalis
Rob and his team very professional helped me allot through the loan process. Highly recommend this company for any loans, refinancing etc.
Australian Home Loan Review Co. isn’t a traditional mortgage brokerage.
Our role is to review your current home loan and determine whether you’re still getting a competitive deal.
Using a panel of more than 49 trusted Australian lenders, we compare your existing loan with today’s market to identify opportunities to reduce your repayments, save on interest, access equity, or improve your loan features.
If your current loan is already one of the best options available, we’ll tell you.
If we find a better solution, we’ll explain why it’s worth considering and then connect you with the most suitable mortgage broker in your area to guide you through the refinancing process from start to finish.
Think of us as your independent home loan review specialists. We help you understand your options first, so you can make an informed decision with confidence.
The only way to know is to compare your current loan with today’s market. Interest rates, lender policies and home loan products change regularly, so a loan that was competitive a few years ago may no longer be the best option. Our free Home Loan Review helps you understand whether you could save money or improve your loan.
Yes. Our Home Loan Review is completely free and comes with no obligation. We’ll assess your current loan, compare it with available options and let you know whether there may be a better solution for your circumstances.
It takes around 2 minutes to submit your details. Once we’ve reviewed your loan, one of our lending specialists will contact you to discuss the results and answer any questions you may have.
No. Requesting a Home Loan Review does not affect your credit score. We simply review your current loan and discuss your options before any formal application is made.
If we identify a better option, we’ll explain the potential benefits, including lower repayments, reduced interest costs or improved loan features. If you decide refinancing is the right move, we’ll connect you with an experienced mortgage broker to guide you through the process.
We’ll tell you. Our goal isn’t to refinance every loan—it’s to help you make an informed decision. If your current loan is already competitive, we’ll let you know and explain why.
Possibly. If your property has increased in value or you’ve built up equity over time, you may be able to use it for renovations, purchasing an investment property, debt consolidation or other financial goals. We’ll explain the options available to you.
Absolutely. Our Home Loan Review is completed online, so we can assist homeowners across Australia. Whether you’re in Perth, Sydney, Melbourne, Brisbane, Adelaide, Hobart , Darwin or regional Australia, we’re here to help.
Getting started is simple. In most cases, we’ll ask for some basic information about your current home loan, your property and your financial goals. If a refinance is recommended, we’ll guide you through any additional documents you may need.
Because we’re focused on one thing—helping Australians make sure they’re not paying more than they need to on their home loan.
We provide honest, obligation-free advice, compare your current loan with today’s market and help you understand your options. If refinancing makes sense, we’ll connect you with the right lending specialist to make the process easy.
Loan WA Pty Ltd ABN: 26 134 790 373. Credit Representative #461359 is authorised under Australian Credit Licence #461359.
Disclaimer: This page provides general information only and has been prepared without taking into account your objectives, financial situation or needs. We recommend that you consider whether it is appropriate for your circumstances and your full financial situation will need to be reviewed prior to acceptance of any offer or product. It does not constitute legal, tax or financial advice and you should always seek professional advice in relation to your individual circumstances.
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