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


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.

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


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