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Simplifying Your Path to Property Ownership

Low Doc (Alt Doc) Property Loans

At HSD Finance, we understand that securing a home loan can be challenging if you're self-employed or don't have traditional income documentation. Our Low Doc (Low Documentation) Property Loans are tailored specifically for Australians who may not fit the standard lending criteria but still want to access the property market. With flexible requirements and a streamlined application process, we're here to help you achieve your property goals.

What is a Low Doc Property Loan?

A Low Doc Property Loan is designed for borrowers who may not have access to the full range of financial documentation that traditional lenders typically require. This loan option is popular among self-employed professionals, freelancers, contractors, and small business owners who often have fluctuating income or yet to finalise their financial statements and tax returns. Rather than relying solely on payslips, financial statements and tax returns, these loans allow you to use alternative forms of income verification.

Key Benefits of a Low Doc Property Loan

Flexible Documentation Requirements

Low Doc Loans allow for more flexibility in how you prove your financial stability. Instead of traditional documents, you may use Business Activity Statements (BAS), an accountant's declaration, or bank statements.

Tailored for Self-Employed and Business Owners

Traditional loans may not accommodate those with non-traditional income. A Low Doc Loan gives you a chance to access finance suited to your unique situation.

Quick Approval Process

With a reduced focus on traditional documents, the approval process can often be faster, making it an ideal option for those ready to move forward with property investment.

Competitive Rates and Terms

Our experienced brokers negotiate with a wide panel of lenders to find rates that match your financial profile.

What You'll Need to Apply

While Low Doc Loans don't require the same level of income documentation as a traditional loan, lenders will still need to assess your capacity to repay the loan. Common documents include:

  • Business Activity Statements (BAS) BAS statements are often required to show your business's income over the past 6-12 months.
  • Accountant's Declaration Your accountant can provide a declaration of your income and financial situation, which may support your application.
  • Bank Statements Recent bank statements from both personal and business accounts help establish a steady cash flow.
  • Proof of ABN/GST Registration Most lenders require at least 12 months of ABN registration and will ask for GST registration if your annual turnover is above a certain threshold.

Why Choose HSD Finance?

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Business Activity Statements (BAS)
BAS statements are often required to show your business's income over the past 6-12 months.
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Accountant's Declaration
Your accountant can provide a declaration of your income and financial situation, which may support your application.
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Bank Statements
Recent bank statements from both personal and business accounts help establish a steady cash flow.
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Proof of ABN/GST Registration
Most lenders require at least 12 months of ABN registration and will ask for GST registration if your annual turnover is above a certain threshold.

How to Get Started with a Low Doc Loan

Ready to explore your options? Our team of brokers can assess your eligibility and guide you through each step of the process. The road to property ownership doesn't have to be daunting—even if your documentation is a little different.

  • Contact Us Schedule a free consultation to discuss your financial situation and goals.
  • Review Your Options We'll outline your loan choices, rates, and documentation requirements.
  • Apply with Confidence With our guidance, apply for a loan that suits your needs and embark on your property journey.

Contact HSD Finance Today

Let us help you achieve your property goals with a Low Doc Loan that's tailored to your needs. Get in touch today to speak with one of our expert brokers.