Perhaps you are self-employed, or a small business or a freelancer contractor with solid but irregular income. We can help and we can guide you with difference mortgage options that are available to you.
If you have lower documentation that doesn’t quite meet the standard lending criteria, then a Low Doc Loan could be right for you at this time.
At Mortgage House, we pride ourselves on really listening and giving you complete flexibility – whatever your situation. A Low Doc loan could be just the answer to get that dream home you are working so hard for.
If you are self-employed (not a salaried employee) but still have regular income, we just need to show other forms of documents like your Bank Statement, your BAS Statement, and a Letter From Your Accountant. Our expert lending specialists will help you prepare all your information
You can submit online or via one of our expert lending specialists. Our team will help you prepare by giving you guidance before you submit your application to ensure you have everything lined up for a smooth final application outcome.
Once we have reviewed your application, we will be in touch quickly to confirm your successful outcome, or let you know if we need more details. Remember, the more prepared you are with all your documents and information, the quicker we can review your circumstances and your application.
"Today my refinancing with Mortgage House settled. From the first phone call to inquire about refinancing and combining all of my debt until today Brijesh made every single thing easy. Mortgage House were able to help me where no other lender would. As a small business owner many of the bigger lenders make everything really difficult. I would recommend Mortgage House to everyone. Thank you so much for the great service and help with any questions I had and making this entire process stress free."
"As both myself and my husband are self-employed, we didn't tick all the boxes with the banks. However Carolyn Manaloto never gave up on us and found the way to finance our first home. Carol always replied in a split second on any question (I wonder if she ever sleeps), guided us on the path. She was very supportive and professional. We'll definitely come back to her with the next one too."
"I was getting desperate to get a loan to buy out my ex, with time being critical, I needed a certain amount that no other bank would lend me. George bent over backwards to get the loan approved, kept in touch to let me know how all was progressing. I found him to be professional, helpful and likable. Thank you Mortgage House and George for my loan."
"Cannot recommend more highly. Although it has taken some time - mostly my end holding things up getting documents etc. settlement today. THANK YOU Ken and team for your patience with me. Your regular phone contact just to keep me in the loop and on track reassured me every step of the way. Such a relief to now be able to see my way out of a financial mess and back on track again. The banks didn't want to know me but your understanding and faith in single parents who cannot usually get finance through banks will be honoured. I will certainly be recommending you to friends and family. THANKS again."
Low Doc home loans can benefit people who don’t have access to the level of information banks and lenders often require for regular home loans. If you are a business owner, contractor or freelancer, you may not be able to provide the proof of income or employment history often requested. Your income may be irregular, but it may still be high enough and stable enough to make the required repayments.
Most people who apply for a Low Doc mortgage do so because they don’t have access to the documentation usually required for a regular mortgage application. But other types of documentation can be used for your application to prove your situation, including:
Interest rates can vary from loan to loan and, of course, from loan amount to loan amount. Low Doc loans can sometimes attract higher interest rates than regular mortgages.
Yes, we offer a range of low doc mortgages that can help you reach your property goals, including Variable rate, Fixed rate and many other options to give you full flexibility.
We continue to achieve industry recognition for excellence in customer service and low-rate loan products. When you come to Mortgage House, know that you are in the safest hands.
