Low Doc Home Loans

Low Doc Home and Commercial loans with out the fuss!

Direct Credit offer common sense lending solutions to self-employed Australians. Through simple and tailored products we look to assist this important group of the Australian economy to achieve their ambitions.

Getting finance for a property when one or both of you are self-employed can sometimes be difficult. Many lenders insist on a minimum of two years of full financials before they will lend for a property. At Direct Credit we do not insist on this. If you have an ABN number that you have held for a minimum of 12 months and your accountant can verify your income via a letter, you are on your way! Alternatively you can provide us with your last two quarterly BAS statements (6 months) lodged with the ATO.

Features of our Low Doc Loans

  • Borrow up to 85%
  • Purchases and refinances
  • Debt consolidation including business debts
  • Refinance to payout tax debts
  • Minimal paperwork
  • Commercial funding also available
  • Construction loans not currently available
  • No credit scoring and real people are here to make decisions!

Loans are available for refinances and purchases up to 85% LVR. We can also provide unlimited cash out on refinances. All Low-Doc loans are subject to land size and postcode locations within Australia. Commercial funding is also available for shops and offices etc.

Steps to your Low Doc Home Loans

1

Am I eligible for a low doc loan?

You must be self employed & the holder of an ABN number and GST registered (Where applicable) for a minimum of 1 year. You must also be:

  • Australian citizen or permanent resident
  • Over 18 years of age
  • Have at least 15% deposit or equity in existing property
  • Have last 2 current ATO lodged BAS or an Accountant we can verify your income with
  • All loans real estate secured – vacant land, residential dwelling or commercial.
2

Know your loan capacity

See how much you can borrow using our simple borrowing power calculator, or call one of our friendly team to get a detailed borrowing capacity over the phone today

3

Book a consultation or apply online

Call us on Freecall 1800 000 800 for a no obligation chat or, if you’re ready to apply get started now.

Start your application
1800 000 800 Australian Credit License Number 392727