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Low Doc Home Loan / Low Doc Home Loan Rates

Looking for a low-doc home loan?

Low-doc home loans give self-employed borrowers an alternative way to certify their income. These loans can carry extra costs, so it’s important to review and understand the criteria, features and rates of several products before making your choice.

Here you’ll find all the relevant information about different low-doc home loans from a wide range of banks and lenders. It’s never been easier to compare and save.

Results showing:
  • All
  • Loan amount: 500,000
  • Owner occupiers
  • Variable rate loans, Low doc
  • Up-front fees: Any
  • Monthly fees: Any
  • Early term. fees: Any

Institution Product Name VARIABLE FIXED RATES 5 Year Cost Repay. Amount (Monthly) Apply
Variable Rate Comp. Rate 2 Yr 3 Yr 5 Yr
Owner Occupied Low Doc Fixed Rate Loan Interest Only 5.84 5.54 5.84 $600.00
Homeloans Ultra Plus Lo Doc LOC 5.24 5.57 $132,650.00 $2,183.33
Liberty Nova Home Loan (≤60% LVR) 4.39 4.69 $166,357.20 $2,748.04
Liberty Nova Home Loan (60.01% - 70% LVR) 4.49 4.79 $168,054.51 $2,776.33
ProPack Lo Doc 4.64 4.77 - - - $169,742.61 $2,819.04
Liberty Nova Free Home Loan (≤60% LVR) 4.64 4.65 $170,617.61 $2,819.04
Liberty Nova Free Home Loan (60.01% - 70% LVR) 4.74 4.75 $172,337.70 $2,847.71
No Bas Low Doc 4.89 4.94 $173,459.73 $2,891.00
Liberty Nova Home Loan (70.01% - 80% LVR) 4.84 5.14 $174,066.81 $2,876.53
Lo Doc Essentials 60 4.94 4.99 $174,329.89 $2,905.50
Lo Doc Essentials 80 4.94 4.99 $174,329.89 $2,905.50
Self Employed Home Loan 5.17 5.20 $178,361.19 $2,972.69
Liberty Nova Free Home Loan (70.01% - 80% LVR) 5.09 5.10 $178,428.69 $2,949.23
SmartDoc 5.25 5.46 - - - $180,374.31 $2,996.24
Low Doc Owner Occupied 5.33 5.38 - - - $181,193.03 $3,019.88
Bad Credit Home Loan (90% LVR) 5.34 5.47 $181,370.76 $3,022.85
Owner Occupied Low Doc Standard Variable Interest Only 7.26 7.24 $182,100.00 $3,025.00
Homeloans Ultra Plus Lo Doc 5.29 5.62 $182,132.98 $3,008.05
SmartDoc Plus Variable 5.39 5.60 $182,860.72 $3,037.68
Lo Doc Pro 60 5.44 5.81 $184,802.85 $3,052.55
Institution Product Name Variable Rate Comp. Rate 2 Yr 3 Yr 5 Yr 5 Year Cost Repay. Amount (Monthly) Apply

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*The comparison rates in this table are based on a loan amount of $150,000 and a term of 25 years. WARNING: These comparison rates apply only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and costs savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.
**Default value for 5 year cost and monthly repayments based on a home loan amount of $500,000, paid over a term of 25 years. 5 year cost is the sum of all principal and interest payments made on the home loan, along with any upfront fees (application, legal, settlement, valuation) as well as any ongoing fees that might be payable. This is assuming you remain with the same lender and no extra payments are made.

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