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Low Doc Home Loans

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Low Doc Home Loans

Low doc home loans are otherwise known as low documentation loans and are a type of mortgage that is available for borrowers who cannot prove their income and cannot provide all of the regular paperwork required for standard home loans such as tax returns and pay slips. Generally these types of loans were created for self employed, but they may also be suitable for those who may have a bad credit rating or who are not full-time workers.

Low doc home loans generally have a higher loan to value ratio (LVR), usually between 60 to 80 percent, which means that you will require a higher deposit. They also usually have a slightly higher interest rate than standard home loans. These types of loans are seen as higher risk so depending on the lender, you may require to secure the loan with assets such as vehicles, homes you own or other investments.

If you think you fit into the category for a low doc home loan, check out the table below which shows the top low doc home loans currently available.

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Low Doc Home Loans