Low Doc Home Loans


Low Doc Home Loans are a flexible financing solution for the self-employed who have income and assets, but may not have the usual paperwork like financial statements or tax returns ready at the time of application.


Low-doc loans are generally considered to be riskier than standard loans because they are made available to people who typically have less regular income.


The following provides you with an overview of what you need to provide to a lender in order to secure a low-doc loan.


What you need to know


  • P&L report from software packages like Quicken or MYOB (Lite Doc).
  • 1 year Personal and Business Tax Return with evidence of lodgement (Lite Doc).
  • 6 – 12 months BAS Statements with evidence of lodgement.
  • 3 – 6 months Business Bank Statements.
  • An Accountant’s Letter with or without Income Declaration.
  • Low-doc loans are available through both bank and non-bank lenders.


Finance Brokers

The Finance Brokers Association of Australia (FBAA) is a national association representing finance and mortgage loan writers throughout Australia.

AMP Financial Planner

AMP Accredited Financial Planners have been helping Australians by delivering the right balance of security and performance for over 160 years.

Tax Practitioners Board

The Tax Practitioners Board provides an overview of our continuing professional education requirements for tax agents, BAS agents and tax (financial) advisers

Australian Finance Group

AFG is now one of the largest providers of mortgage broking services in the country, offering more than 1,400 financial products from Australia’s leading lenders.

© 2021 MINT FINANCIAL SOLUTIONS PTY LTD is a Corporate Authorised Representative and Credit Representative of AMP Financial Planning Pty Limited ABN 89 051 208 327 Australian Financial Services Licence 232706 and Australian Credit Licence 232706.

For further details including the financial services we can offer you and how we are remunerated, please read the Financial Services & Credit Guide (PDF 320 KB). Any advice contained in this document is of a general nature only and does not constitute personal financial product advice. In preparing the advice no account was taken of the objectives, financial situation or needs of any particular person. Therefore, before making any decision, readers should consider the appropriateness of the advice with regard to their particular objectives, financial situation and needs. Please read our Privacy Policy and Terms and conditions