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

Empathy and attention to detail

I was recommended blue key finance by a friend to sort out some refinancing. Dealing with Matt at blue key finance has been nothing but pleasant in that he was able to source the best product fitting my situation very quickly. The professionalism, empathy and attention to detail demonstrated by Matt are really second to none. Thank you Matt.

Hernan Quintana