HOME LOANS
Full Doc Loans
For borrowers with a straightforward financial profile, our Full Doc loan gives you access to competitive rates and major lenders with a complete suite of standard paperwork.
What you’ll typically need:
· Two years of ATO‑assessed tax returns and notices of assessment
· Recent payslips or business financials
· Bank statements and a clear credit record
Minimum deposit: usually 5–10%.
Why choose Full Doc?
Lower interest rates, access to a wide range of mainstream lenders, and a smooth application process when your income and employment are easy to verify.
LOW Doc Loans
Low Doc loans are specifically designed for self‑employed Australians, sole traders, and business owners who don’t have the conventional two years of tax returns but can still demonstrate the ability to repay a loan.
What lenders accept instead:
· Two quarters of Business Activity Statements (BAS)
· An accountant’s declaration of income
· 6–12 months of business bank statements
LVR range: typically up to 80–85% (varies by lender).
Why choose Low Doc?
A practical pathway to home ownership or refinancing that recognises your real income without forcing you into a traditional full‑documentation process.
NO Doc Loans
No Doc loans are generally not available for a standard residential purchase under the National Consumer Credit Protection Act. However, for business purposes — such as buying commercial property, funding a development project, or injecting capital into a company — you can access a genuine business‑purpose loan with minimal income verification.
How they work:
· A signed business purpose declaration
· Sufficient equity in an acceptable asset (e.g. commercial or residential property)
· A clear exit strategy, such as refinancing or sale
LVR range: typically up to 60–70%.
Why consider No Doc?
Fast access to capital for time‑sensitive business needs, with fewer documentation hurdles than a standard business loan.
⚠️ Important note: ASIC requires both lenders and brokers to make reasonable inquiries to confirm that a loan is genuinely for business use. A signed declaration alone is not enough. We conduct those inquiries and only recommend No Doc lending when the purpose is clearly commercial.