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Low Doc Loans, No Doc Loans
 

Low Documentation – referred to as Lo-Doc Loans are designed for applicants who are self-employed, seasonal workers and small business owners, as well as wage and salary earners, who may not have the traditional forms of income evidence such as financial statements or tax returns at the time of the application. Nevertheless, these type of loans are quite flexible and include a variety of features.

The Australian Prudential Regulation Authority (APRA) estimates that Low Doc Loans now represent about 15% of the Australian Residential Mortgage Market and are one of it’s fastest growing segments. Traditional mortgage generally requires Borrowers to possess full tax returns and financial statements to confirm their income.

The Lenders, Mortgage Managers and Loan Originators we have identified in our research understand that it is sometimes difficult to have all your financials up-to-date as you are probably too busy running your business to take the time out to get the required information to your accountant. 

No Doc Loan

No Doc are true no-financial loans for the self-employed and PAYG applicants with high assets, but incomes that can not be verified. The portion of the application that requires the borrower to verify income and assets is actually left blank.


 

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