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Unlock your dream home: secure a mortgage with minimal documents and get your rate from 5.69%!
Low-doc loans from 5.69% for self-employed Australians. We can use an accountants letter for all new mortgages - ask us how
Lower your rate without changing your budget
Lending designed for the independent Australian business owner
Simple income verification makes your dream home possible.
We understand that your paperwork doesn't define your financial strength. Our low-doc loans cut through red tape and delays, while recognising the true value of Aussie business owners like you.
We get you approved with your new mortgage and within 12 months we refinance you to 5.69%.
- Suitable for self-employed + non-traditional income
- Borrow up to 85% of the purchase price
- Flexible income verification
- Rates from 5.69% p.a.
Ask us how we can get you a market leading rate without the run around.
Mortgage options for every situation
Find the perfect mortgage solution for your situation
First home buyers
Step onto the property ladder with confidence and minimal paperwork
Home upgrade
Move to a bigger space without traditional lending hurdles
Down-sizers
Secure your dream home outside the metro areas
Investments
Invest in properties with our streamlined low-doc process
Our low-doc mortgage solutions have helped over 1000's of business owners into new homes.
How we helped everyday, self-employed Australians beat a corporate lending system designed to make it easy for the banks to get a better deal.
Easy to understand features of our finance, fees and variables.
Common questions from self-employed Australians about low-doc mortgages
A low-doc home loan is designed for self-employed borrowers who can’t easily provide standard payslips but can show income using alternative documents.
Typically self-employed borrowers, contractors, or business owners with complex income (commissions, distributions, retained earnings, irregular drawings).
If refinancing via our low-doc offer, then no proof of income is required, just proof of repayment over the last 12 months. For new mortgages recent BAS, business bank statements, an accountant’s letter, ATO notices of assessment, and ID checks may be required.
It depends on the lender and your profile, but many low-doc deals work best with a stronger deposit/equity position. We’ll tell you the realistic LVR range once we review your docs.
Sometimes. Some lenders prefer longer trading history, but there can be options depending on your industry, income consistency, and deposit strength.
Yes. Many applications combine PAYG income with self-employed income to strengthen serviceability.
Timeframes vary, but the usual flow is: quick eligibility check → document review → valuation (if required) → formal approval → settlement.
No, low-doc can apply to owner-occupied purchases or investment purchases, depending on the product.
Sometimes, because the lender is taking more “proof-of-income” risk. The goal is to get you approved now, then refinance later if you become eligible for sharper full-doc pricing.
Send us a snapshot of your situation (property price + deposit + rough income). We’ll confirm what’s achievable before you waste time gathering paperwork.
Need more information?
Our team understands self-employed lending inside and out
Get your low-doc mortgage now
Fast track your home loan application with Freedom Loans