LOW DOC REFINANCE UP TO 85% LVR
View product matrix below then click on apply if you wish to qualify for this loan and receive a detailed assessment and full cost proposal.
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Low Doc Loans for Refinancing of Residential Property. |
If you are self employed and you do not have up to date company or personal tax returns then a low doc loan may be the right solution for your lending needs if you are purchasing a residential property.
The main documents that we will accept that can be used to verify your income are:
You must have an ABN that has been registered (and possibly GST registered if income is over $75,000) Most Lenders require ABN to be registered for 2 years. We have lenders that will accept an ABN registered for only 6 months. |
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Loan purpose | Residential or Rural Residential (up to 25 acres) |
Loan term | 1 > 30 years. |
Interest type | Variable rate. |
Repayment type | Principal & interest, or interest-only up to 5 years then principal & interest. |
Repayment options | Monthly, fortnightly or weekly. |
Repayment method | Direct debit only. |
Maximum Loan to | 85% in high population areas (capital Cities and Major Regional Towns with populations over 10,000 people |
Credit history | Past credit impairment can be considered at higher rates and fees |
Minimum loan size | $100,000 |
Maximum loan sizes |
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Acceptable Applicants | Individuals, Companies and Trusts |
Discharged Bankrupts or Part 9 or 10 | Yes at higher rate from 1 Day discharged |
Cash Out | Unlimted Cash out to maximum 85% LVR for all acceptable purposes including business purposes including payout ATO debts, workingcapital and purchasing business equipment. |
Current Mortgage Arrears in last 6 months | Can be considered on a case by case |
Debt Consolidation | Unlimited to Maximum 85% LVR |
*Interest Rates: All rates are subject to change without notice. Please check all rates and terms before applying.
Low Doc loans are designed for the self-employed or small company borrower/s whose financial statements may not be available. Reasons for this may encompass: Their accountant hasn’t completed and lodged their financials.