Low doc loans

“For self-employed applicants with limited income documentation”

Many overlook one sector of the market which is stable, and growing steadily. That’s the low doc sector. “Low doc” loans or also known as “Alt doc” loans are simply loan applications where a self employed applicant cannot prove their true annual income from traditional sources of documentation. Here, relative regulatory stability has allowed the non-banks to introduce new products, particularly in the prime and non-prime space.

Over the last decade, we’ve seen many changes to the “low doc” market:

  • Tighter serviceability criteria
  • More proof of income required
  • Lower maximum ‘loan to value ratios’ (LVRs)
  • Various lenders pulling out of this space
  • Additional interest rate loading

Our experience and expertise enables us to place your loan request to the right lender the first time.

What our clients say

His friendly nature and genuine non pushiness

My experience with Blue Key Finance has been a wonderful first time experience into the scary leap into property investment. Matt has been able to provide me with all the information I needed, and in a way I could understand it to make an informed decision on investments, with out getting over my head providing me with the confidence to have a go at securing a better future. Matt has always been there through each step of the process and is always happy to talk you through the things you may not quite understand or are sure about. His friendly nature, and genuine non pushiness is a natural quality as he is looking out for you and trying to help you to get where you want to be. I am running all my finances through Blue Key Finance because of Matt and his character, and have recommended Matt and Blue Key to family and Friends.

Conrad Dabrowski