Low Doc Home Loans

Low Doc Home Loans:

low doc home loans
The finance group is offering low doc home loans for bad credit and clean credit applicants through banks and private lenders. We offer up to 90% LVR low doc home loans. We also offer True low doc home loans only with accountant letter.
Low doc home loans are home loan or investment loan options for self-employed applicants. When one of the applicant is self-employed for a mortgage and loan need to be assessed by low documentation basis we consider those as Low doc home loans. Self-employed applicants do not have their financials up to date or the available financials can not proof adequate income to service the new loan, are considered to be as suitable Low doc home loans applicants.
The finance group have achieved 99% approval for any type of mortgages from out past 7 years record and we are proudly helping clients all over Australia to have their Low doc home loans approved.
We offer low doc home loans through all traditional banks, private lenders in Australia. We accept defaults, arrears and bankruptcy for low doc home loans.

Click here to submit an online inquiry for low doc home loans.




Self-employed applicants choose to select us because:


  • We do your low doc home loans assessment for free. And also offer first contact resolution.
  • We offer up to 90% LVR low doc home loans.
  • No BAS, No LMI, No trading statements low doc home loans are also available.
  • We have access to 34 different banks and more than 10 private lenders to have best solutions.
  • Unlimited cash out, business purpose cash out, business debts and tax debt consolidation available.
  • We safe guard best interest of the client from every instances and secure the approval of the loan
  • We obtain credit file, valuation report and other relevant search during the assessment process to minimize the risk to get application declined.
  • We do complete assessment before we offer written indicative offer within 24 hours from receiving all documents from the client.
  • Client can make educated decision from our comparison offers after assessment
  • Clients get qualified for their loan through our assessment process without going through any formal application to any lender.
  • We take full responsibility to have your loan approved from best possible lender and also keep your credit history free from any adverse record.
  • We believe our experience is our asset and confidence for the client.

Click here to submit an online inquiry for low doc home loans.

Low Doc Home Loans options:

Low Doc Home Loans Bank Loans:
Low Doc Home Loans Bank Loans

For low doc home loans we have access to all major banks including 2nd tire lenders. Self-employed applicants need to have their business registered for minimum of 12 months to 24 months to become eligible to get low doc home loans. Bank offers up to 60% LVR loans without lenders mortgage insurance (LMI). We also offer up to 70% low doc home loans through banks without LMI. Maximum loan available through banks is 80% of the property value. LMI cost for low doc home loans are comparatively higher than a full doc home loan. We have some tailored home loans offers for self-employed applicants to help them to have a full doc loan with minimum costs and better interest rate. Bank interest rates for low doc home loans usually involve risk margin and for that reason rate is always comparatively higher than a full do home loans.

For a low doc home loans through bank will involve past 12 months BAS's with recent 6 months trading account statements to proof the declared income of the applicant. Basically different banks use different ratios to determine allowable declared income reflected on the BAS's of the business. As a result we assist the client to have their loan approved from the right lender through assessment process.

We help client to select appropriate loan structure according to their need. Depending on historical interest rate analysis we select determine the proposed lender and also offer the client a proper combinations of Fixed rate and variable rate loans that they can save money on interest and free up cash for their business.

To view indicative offer for low doc home loans through banks click here.

To read more about typical LMI policy for Low doc home Loans click here.

Low Doc Home Loans Accountant Letter :
Low Doc Home Loans Accountant latter

Self-employed applicants who have their ABN registered for minimum of 12 months are eligible to get low doc home loans with accountant declared income. If business is registered for less than 12 months client will have to include another form of proof of income like trading account statement to become eligible for this type of low doc home loans. We wont need any BAS's or trading account statements if business is registered for minimum of 12 months. We consider both clean credit and bad credit applicants for this type of loan. We have premium interest rate offers for clean credit applicants, where bad credit applications considered depending on degree of credit impairment. Degree of credit impairment involve interest rate load. We also accept mortgage arrears with reasonable explanation. We are offering up to 85% LVR low doc home loans only with accountant declared income.

Click here to read more about Low doc home loans only with accountant letter.

Low Doc Home Loans Refinance:
Low Doc Home Loans refinance

Low doc home loans refinance is possible for clean and bad credit applicants up to different LVR depending on wide range of considerable issues, When you consider to have your home loan refinance low doc basis you need to consider following issues to make an informed decision:

  • Is your existing loan a low doc home loan ? it might restricted your access to some traditional lenders.
  • Have you considered the cost for LMI that might involve if your loan exceed 60%-70% LVR and you are eligible to obtain a bank loan. In this case when you have a clean credit history and you have perfect payment history for your mortgage you can consider some private lending solutions as well. If you have any credit impairment issue in most cases private lending will be your only option to refinance. We may offer alternative case by case basis.
  • Do you have enough information to demonstrate your servicing to the lender according to your new loan requirements complying with lending guidelines.
  • Is private lending costing you less and are your getting the best interest rate available on the market at this moment ?
  • When you choose a lender for a better interest rate, do you verify enough data to confirm if the rate is stable or it is a temporary offer from the lender to increase their sale. If it is a variable rate loan, the historical interest rate analysis will give you idea who is offering better deal for you.
  • do you have reliable valuation estimations of your property and also all associate lending costs to determine if the loan is suitable for you or not.
  • If cash out or debt consolidation is the main goal for refinance you will have to consider more related issues to work out a strategy to fulfill all your purposes complying with lending guidelines.
We are assessing varieties of clients from all over Australia with various profiles. As a result we can make the process easier for the client with quick and reliable manner.

To read indicative offers for home loans refinancing click here.

To read more about low doc refinance options click here.

Low Doc Home Loans Cash Out :
Low doc home loans cash out

Cash out with a low doc home loan can become very critical if you do not have clear idea about lending policy and proper strategy to have the amount approved. Different lender offer different amount of cash outin proposed LVR low doc home loans. Depending on degree of credit impairment cash out amount is restricted to certain amounts as well as restricted to certain acceptable purposes. For bank loan cash out policy determined by LMI insurer when the loan is over 60%-70% of property value. Bank offer unlimited amount of cash out up to certain LVR loan, but documentary evidence is required in most cases. The policy vary bank to bank depending on the strength of the application. We offer unlimited amount of cash out up to 85% loan for any worthwhile purpose. For documentary evidence and policy compliance we always help the client to have the best strategy to have maximum amount of cash out to meet their loan requirements. We accept both clean credit and bad credit applicants to apply for cash out with low doc home loans. For low doc home loans most of the self-employed applicants look for cash out for business purpose like working capital, buy new equipments for the business, pay off tax debts. Cash out option can also involve consuming purpose like home renovation, investment, purchase, holiday, wedding with low doc home loans.
Click here to read more about cash out policy for low doc home loans..

Low Doc Home Loans Debt Consolidation:
Low Doc Home Loans debt consolidation

Low doc home loans with debt consolidation demands clear explanation for all possible benefits of the proposed loan. Client need to have both short term and long term goals to justify how they will manage their regular expense, how they will become debt free in future. Low doc home loans with debt consolidation allow the client to consolidate both business debts and consumer debts. We offer debts consolidation loans through bank loans and private loans. Depending on credit history and other considerable maters client can get benefits from debt consolidation if they can select the right product for them. We have given intensive solutions for many clients who were struggling to catch up their monthly commitments.

Some time cost for refinance can become a barrier for the client to make a decision how they will save money and recover the cost in future. We always help the client to make their decision with vast range of product offers and analytical data about their present and future financial situation. As a result client become aware of all aspects before they sign up for a new loan.

Sometime getting your loan approved can become a hurdle if you do not have adequate explanation for your financial benefits and goals. Clear understanding of the lending policy can help you to get your loan approved easy with our free assessment process.

Click here to view indicative offers for low doc home loans with debt consolidation.

Low Doc Home Loans Construction :
Low Doc Home Loans construction

We offer low doc construction loans through banks and private lenders. Low doc construction loan is offered by very limited lenders in mortgage industry. As a result finding the best deal can become time consuming for client. We offer low doc construction loans only with accountant letter through private lending solution. For bank loan or private loans maximum LVR is 80% of the completion value of the property. client need to come up with minimum of 20% deposit to apply for construction loan low doc basis. If you do not have your your financial up to date and you are seeking for low doc home loans option, we prefer please discuss with us your actual situation that we can help you to get higher LVR loan for construction.

Sometimes when you have land you won outright and looking for construction loan to finish the construction, your construction proposal involve some development costs we can get you tailored solutions to meet your loan requirements in out of ordinary situation.

Click here to read more about Low doc home loans for construction.

Low Doc Home Loans Investment :
Low Doc Home Loans investment

When you plan to invest in property using low doc home loans options you need to consider following issues to make your investment profitable in future:

1. Do you have enough saved deposit or equity on your existing property to do a purchase at present ?

2. Do you have enough data to analyze trend of the property market to find how the equity of your investment will grow over the period. What are the risks associate with the market to give you an idea to believe at the end of certain period you will be able to sell the property and make profit.

3. Low doc home loan can involve a huge amount of initial outlay if you do not have enough deposit and your loan is over 60%-70% value of your property. Have you considered all available options to get the best deal available for you.

4. Will your rent cover your mortgage repayment or most of it ? do you have enough surplus income to pay monthly commitments for your loan ?

5. What type of payment option is suitable for you considering your present income and expense situation to have the best benefit out of your investment.

The finance group have been assisting clients for a long to achieve their investment goal using best low doc home loans options. We have also helped client with bad credit history to make their investment decision sooner.

Click here to read more about low doc home loans for investment property.

Low Doc Home Loans Bad Credit :
Low Doc Home Loans bad credit

We found lot of clients who believe bad credit is like a curse for them to get access to mortgage lending industry. The difference is we have access to a wide area of the industry and therefore we look at the situation from different perspective. We can provide professional advice to client with any degree of default and credit impairment issues and get their loan approved from the right lender without any hassle. If you have unlimited defaults, mortgage and loan arrears history, bankruptcy or existing part 9 agreement, tax debt is at an alarming stage please give us a call or submit an online inquiry on our website to get instant solutions for you. We have ready solutions for you just one step forward.

Having credit impairment issue usually give you limited access to low doc home loans, but when you will be able to make right use of it you will get benefited. We strongly recommend professional advice when you are facing critical situation with your credit impairment problems.

Marriage breakdown, poor financial decision, job loss or joblessness, accident or terminal illness all unfortunate events are part of our life that we can not deny. We need to have proper plan to cope with it to safeguard our existence and lifestyle. If you make another poor financial decision at crisis moment of your life may be it will ruin the chance of your recovery for long.

Click here to read more about low doc home loans with bad credit.

Click here to read more if you have bankruptcy issue.