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Low Doc Home Loan
Less paperwork and a simplified application process for those unable to provide documented proof of income
Having trouble getting a home loan due to fluctuating income? Then the Low Doc home loan is just right for you. This flexible solution offers a simple application process for those that have difficulty providing documentation about their income.
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No tax returns, financial statements or other forms of income verification required
Particularly suited to the self-employed and others experiencing uneven cash flows
Interest type
- Choose variable interest rate or fixed interest rate
Term
- Up to 30 years
Can be used for building
-
Yes (on Variable Rate portion only)
Available for vacant land
- Yes
Frequency
- Choose to repay weekly, monthly or fortnightly2
Additional payments
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Make additional payments at any time on variable rate loans. Up to $10000 per year can be made on fixed rate loans3
Automatic repayments
- Set up convenient automatic repayments from your nominated account
Interest-only option
- Choose monthly interest-based repayments
- Not available
Ability to increase loan amount
- Applying for additional funds is simple2
Redraw facility
- Get access to any extra payments you make with a convenient redraw facility (on variable rate portion only)4
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100% interest offset5 to help you save interest and own your home sooner (partial interest offset also available)
- Not available
- Enjoy the benefits of a fixed and a variable rate
- On fixed rate portion only
- Keep earning income on your deposit monies right up until settlement by using a Deposit Protect Bond instead of a cash deposit
Learn more about the Low Doc Home Loan
- Call a home loan expert on 13 33 30 8am - 9pm (AEST), 7 days a week.
1. Subject to availability.
2. On loans with principal and interest repayments only., Not available on interest only repayment loans
3. Limit applies before break costs become payable on fixed rate loans
4. Subject to Bank approval. A fee applies for each approved request.
5. Variable rate loans only
2. On loans with principal and interest repayments only., Not available on interest only repayment loans
3. Limit applies before break costs become payable on fixed rate loans
4. Subject to Bank approval. A fee applies for each approved request.
5. Variable rate loans only
