Low Doc Loans With Interest Rates As Low As 5.19%

Looking for the simple answer for obtaining finance?

Low document loans are well-suited to borrowers who either can't access, or don't want to provide the paperwork required to get a traditional full document loan.

With a low doc loan, instead of providing tax returns, you simply sign a declaration that confirms your ability to afford the loan.

A low document loan may be perfect if you are:

  • self-employed
  • a professional investor
  • a PAYG wage earner or contractor
  • structured as a company or trust
  • looking to start a new business
  • operating a cash-based business
  • looking to borrow up to 90%
  • credit-impaired
  • buying off the plan
  • unable to verify your income (seasonal income, lump sums)
  • your accountant has minimised your taxable income

Loans Australia are the creative financing specialists for people wanting to maintain or grow their property portfolio. As like-minded property investors, we go beyond constrained mortgage options and conventional thinking and are experts at obtaining low doc loans for our mainly property investor client base at interest rates as low as 5.19%.

The approval process is typically straightforward, however, if your situation requires specialist advice for "special situations" we are experts at dealing with the detail of complex structuring (companies and trusts), development finance, high LVR (Loan To Value Ratio) loans or impaired credit.

To get started, simply complete the form on your right and we'll contact you with 5 business hours to identify how you can move forward today.

Warning: Lenders are continuing to tighten their lending policies as the "credit crisis" drains the supply of readily available funds.  Apply now to access the funds you need – before lenders place more restrictions on low document borrowers.

Instant Low Doc Finance Application Form

(Or Call 1300 855 430 For Instant Service)

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Frequently Asked Questions About Low Doc Finance

(Click on the question to read the answer)

  • Can I borrow up to 90%?

    • Major lenders are ready to approve your application.  Mortgage Insurance can be added to the loan (up to 82%) or pay this once off fee at settlement.
    • Smaller lenders have options for clean credit or credit impaired up to 90%.
    • With lower LVRs of around 60-70% we can offer you discounted competitive rates and fees, exactly the same as full document loans. Why settle for anything less?

    Click here to apply now...

  • Can I borrow more than $1 million?

    • You have multiple options when borrowing up to 60% LVR up to $2.5 million. A Strategic Financing Strategy will be developed for higher LVRs.
    • Certain lenders will lend up to $5 million using low document and no document options – up to a maximum LVR of 80-85%.

    Click here to apply now...

  • What if I need equity for business purposes?

    • We have low doc lenders who will lend for business purposes under great residential interest rates.  You can even have an account in a company name.

    Click here to apply now...

  • What if I’m a PAYG earner or contractor and my bank said “NO”?

    • Excellent full document options available if you can obtain letter from your employer.  Otherwise multiple low doc options are available.

    Click here to apply now...

  • The Mortgage Insurer said “NO”! What next?

    • We will identify which insurer said no and develop a strategy using another insurer or where no insurer is required. This strategy requires detailed knowledge of the insurers – we have this knowledge in-house.

    Click here to apply now...

  • What if my Accountant has minimised my taxable income and now my bank won’t give me a loan?

    • We will review if your loan can be approved on a full doc basis BEFORE looking to a low doc strategy. This ensures you obtain the best interest rates along with the lowest fees and charges.

    Click here to apply now...

  • Can I get a construction Low Doc Loan?

    • You can construct one or multiple dwellings – have your plans and building specifications ready.
    • Not ready to build? We can even offer you a low doc land loan that places no restrictions on when you need to build.

    Click here to apply now...

  • I want to develop 3 or more units and can’t prove my income. Can you help?

    • We are experts in development finance – large and small.  We have lenders ready to approve your loan.

    Click here to apply now...

  • Can I get a commercial Low Doc Loan?

    • We have multiple options available up to 75% LVR (occasionally we have access to 80% LVR).

    Click here to apply now...

  • What if I don’t want to declare any income?

    • Whilst there are fewer "no document" loans on the market, great options still exist where you declare no income and don’t complete asset and liability forms.

    Click here to apply now...

  • I have minor credit issues – small paid default. Can you help?

    • With good explanations of the default you can still access competitive interest rates.

    Click here to apply now...

  • I have major credit issues – multiple unpaid defaults. Can you help?

    • There are still lenders available who will provide funds under a low doc scenario up to 90% LVR.

    Click here to apply now...

  • I need new car/equipment for my business and don’t have financials. Can you help?

    • Low document options are available. Property owners preferred but not essential.
    • Up to 100% finance available.

    Click here to apply now...

  • What if I have only had my ABN for 1 Day, 1 Year or 2 Years?

    • Have your loan approved regardless of your ABN status.
    • We have over 40 low doc lenders to choose from.

    Click here to apply now...

  • What if I am not registered for GST?

    • Be aware that not being registered for GST greatly reduces your options. In fact certain lenders will not approve a low document loan unless GST has been registered for 2 years. If you are not registered for GST the largest income you can declare is $75,000. If your income is greater than $75,000, call us today to discuss your available options and speak to your Accountant about getting registered for GST and increase your financing options.

    Click here to apply now...

  • What if I have arrears on my home loan / credit card statements?

    • These can be overcome with good explanations or a strategy is developed to rectify issue.
    • Lenders do not like arrears on home loans at all as it appears to the lender that you are having trouble meeting your commitments.

    Click here to apply now...

  • Can I borrow using my company / trusts?

    • Whilst the major banks will not lend to company’s or trusts on a low document basis we have multiple lenders willing to approve your loan today. Call us to discuss the right strategy for you.

    Click here to apply now...

  • Is my postcode going to be an issue?

    • Some lenders are postcode-sensitive, however we have lenders who will lend anywhere in Australia.

    Click here to apply now...

  • What if I have a rural property earning income?

    • You will need a specialist lender. We have a variety of lenders looking to help country dwellers.

    Click here to apply now...

Apply Online Now! Or Call 1300 855 430



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