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Low doc home loan
For self-employed free thinkers, our low doc home loans are flexible to keep up with your ideas.
Low doc home loan
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Alternative income verification for free thinkers
Perfect for self-employed borrowers, our low doc loan has alternative income verification and flexibility.
Suitable for self-employed
Flexible income verification
Borrow up to 85% of purchase price#
Rates from 7.39% p.a.# (7.66% p.a. comparison rate*)
Easy to understand features, variables and fees
Features
Loan variables
Fees^
Ready to get moving?
Wherever you are in your journey, help is here however you need it.
Check your borrowing power
Use our simple calculator to work out how much you might be able to borrow.
Get online pre-approval
Move ahead with confidence. Our online indicative pre-approval tool gives you an answer instantly. It's fast and fuss free.
Contact a trusted adviser
Your local Liberty Adviser will be able to look at your lending options and help you decide the best way forward.
Our innovation and flexible solutions have helped over 850,000 free thinkers.
Free thinkers like us see the possible!
When others see the impossible, we look past that and see what we can achieve together.
We’ve helped more than 850,000 customers get financial.
Supporting free thinkers from diverse backgrounds for over 25 years.
Proudly B Corp certified to make a difference beyond borrowing.
Championing women in sport to make a difference on and off the field.
Frequently asked questions
A low doc home loan is an otherwise standard home loan that does not require the typical income verification such as recent tax returns or financial statements. While each lender has their own requirements and will accept different types of documents to assess your income, typical examples include a signed accountant’s declaration of your income, Business Activity Statements (BAS) and old tax returns.
Low doc home loans are a way for small business owners, freelancers and other ABN holders to meet the requirements of a loan application. They are designed for customers who otherwise wouldn't be able to get a home loan due to their inability to validate their earnings using traditional methods. Low doc home loans often suit self-employed Australians, investors who rely on their investment income and contract workers. Liberty low doc home loans combine our low interest rate with a range of flexible home loan features, with options for start-up or established businesses.
Your eligibility will be improved by good credit history, and low doc mortgage lenders will want to know that you can afford repayments. There are many reasons why you might not have the full suite of documents or financials needed for a full doc loan application. For example, your most recently lodged tax returns may be over a year old and may not reflect your current income level. To find out more, check out our home loan calculators or get in touch with a Liberty Adviser, who can talk with you about your situation to find a lending solution that best suits you.
Liberty provides a range of full doc and low doc loans for self-employed customers with varying levels of verification.
For a self-employed borrower applying for a low doc loan secured by residential property, we can look at alternative documentation such as bank statements, BAS statements, or a completed accountant’s declaration.
Liberty provides a range of home loans for self-employed borrowers. Depending on your credit history and amount you wish to borrow, the deposit will vary from customer to customer. To find out more, check out one of our home loan calculators or get in touch with a Liberty Adviser, who can talk with you about your situation to find a lending solution that best suits you.
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If you’re self-employed, you can still find a loan that’s right for you.
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If you’re self-employed, you can still find a loan that’s right for you.
Other loans you might like:
Low rate home loan
Our low interest rate loan has flexible repayments, redraw and free additional payments.
- Great low rate
- No ongoing fees
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RATES PER ANNUM FROM#
(6.57%*)
Comparison rate
Flexible home loan
This full featured loan lets you choose fixed or variable rates and provides options to help you pay off your loan faster.
- 100% offset facility##
- Multiple loan splits
- Linked Visa debit card##
- Borrow up to $5M**
RATES PER ANNUM FROM#
(6.86%*)
Comparison rate
Things you should know:
#Higher interest rates may apply. The actual interest rate applicable will depend on our assessment criteria and the loan to value ratio. Please call 13 11 33 or speak to your local Liberty Adviser for more details.
*Comparison rates are based on a secured $150,000 loan over a 25-year term. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
**Subject to LVR and postcode restrictions.
***Interest Only loans are subject to LVR restrictions and interest rates are higher than advertised interest rate. For further information on this product contact us on 13 11 33.
****$0 for loans with ≤ 4 splits. Additional fee of $495 applies for loans with > 4 splits.
##Any available redraw funds held in the offset facility connected with your loan account will be used to reduce the amount of interest you pay on your loan. Liberty is not a bank. The offset facility on your loan account is not covered by any Government guarantee. International transaction fees apply on purchases or cash advances while overseas or in Australia when the merchant processing the transaction is located overseas. ATM fees apply for a cash withdrawal at a non major bank ATM or rediATM in Australia.
^Other fees and charges may apply. Contact us on 13 11 33 for more information on fees and charges.
^^Valuation fee not applicable for loans under 90% LVR. Additional valuation expenses may be payable where the anticipated security property value is >1.5m, where the security property is in a regional location or for additional securities.
+++Subject to LVR restrictions. Not all features listed may be available. Additional fees and charges may apply.