Home Loans - Low Doc Home Loans
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Low Doc Home Loans

Low doc home loans are home loans that do not require the applicant to provide full income verification or financials such as pay-slips or tax returns to qualify for a home loan.

Some lenders will still ask for some proof of income including bank account statements, Business Activity Statements, and letters from Accountant. These home loans were originally designed for the self employed whose tax returns are not up to date at the time of the loan application.

Low Doc home loans often come with a higher interest rate and extra mortgage insurance fees to cover the risk that the lender takes in offering a home loan without seeing the full financial position of the borrower.