Low Doc Income Documentation Tool

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Low Doc Income Documentation Tool

Searching for a Low Doc Loan based on what income documentation you have? Enter the documentation you have in our 'Income Documentation Tool', along with the LVR you require and we list the Low Doc Loans that match on our panel.

Select your Income Documentation details and LVR below ...

Please select the Income Documentation available
Please select the Loan to Value Ratio (LVR)



Full Doc

From 2.29% p.a.

Maximum LVR 80%

Income Substantiation:
  • 2 Year Personal and Business Tax Returns (inc Notice Of Assessment)
Income Calculation:
  • Income is calculated on Nett Profit (some Addbacks allowed)
Minumum ABN Period: 2 Years
Minumum GST Period: Not Applicable
No LMI/Risk Fee Payable
No LMI to 80% LVR (Typical Savings)
 n/a Capitalise LMI/Risk Fee
Company Borrower
Family Trust Borrower
Refinance
Cash Out
Unlimited
ATO Debt Payout
Debt Consolidation
Construction
Vacant Land Accepted
No Genuine Savings
Credit Issues Considered
Defaults < $500


Full Doc

From 2.5% p.a.

Maximum LVR 80%

Income Substantiation:
  • 2 Year Personal and Business Tax Returns (inc Notice Of Assessment)
Income Calculation:
  • Income is calculated on Nett Profit (some Addbacks allowed)
Minumum ABN Period: 2 Years
Minumum GST Period: Not Applicable
No LMI/Risk Fee Payable
No LMI to 80% LVR (Typical Savings)
 n/a Capitalise LMI/Risk Fee
Company Borrower
Family Trust Borrower
Refinance
Cash Out
Unlimited
ATO Debt Payout
Debt Consolidation
Construction
Vacant Land Accepted
No Genuine Savings
Credit Issues Considered
Defaults < $500


Lite Doc

From 2.19% p.a.

Maximum LVR 80%

Income Substantiation:
  • 1 Year Personal and Business Tax Returns (inc Notice Of Assessment) OR
  • Two Year's Notice of Assessments
Income Calculation:
  • Income is calculated on Nett Profit (some Addbacks allowed) OR
  • Average NOA income unless current year lower, then current NOA income used (No existing rental income allowed)
Minumum ABN Period: 2 Years
Minumum GST Period: Not Applicable
No LMI/Risk Fee Payable
No LMI to 80% LVR (Major Savings)
 n/a Capitalise LMI/Risk Fee
Company Borrower
Considered Business Lending
Family Trust Borrower
Refinance
Cash Out
Unlimited
ATO Debt Payout
Debt Consolidation
Maximum 4 debts including mortgages
Construction
Vacant Land Accepted
No Genuine Savings
Credit Issues Considered
Defaults < $500


Lite Doc

From 2.34% p.a.

Maximum LVR 80%

Income Substantiation:
  • 1 Year Personal and Business Tax Returns (inc Notice Of Assessment)
Income Calculation:
  • Income is calculated on Nett Profit (some Addbacks allowed)
Minumum ABN Period: 2 Years
Minumum GST Period: Not Applicable
No LMI/Risk Fee Payable
No LMI to 80% LVR (Typical Savings)
 n/a Capitalise LMI/Risk Fee
Company Borrower
Family Trust Borrower
Refinance
Cash Out
Unlimited
ATO Debt Payout
Debt Consolidation
Construction
Vacant Land Accepted
No Genuine Savings
Credit Issues Considered
Defaults < $500


Lite Doc

From 2.72% p.a.

Maximum LVR 90%

Income Substantiation:
  • 1 Year Personal and Business Tax Returns (inc ATO Assessment Advices)
Income Calculation:
  • Income is calculated on Nett Profit (some Addbacks allowed)
Minumum ABN Period: 2 Years
Minumum GST Period: Not Applicable
No LMI/Risk Fee Payable
No LMI to 80% LVR (Typical Savings)
Capitalise LMI/Risk Fee
To 90% LVR
Company Borrower
Family Trust Borrower
Refinance
Cash Out
Full Evidence required if cash out > $50,000
ATO Debt Payout
Debt Consolidation
Construction
Vacant Land Accepted
No Genuine Savings
To 85% LVR
Credit Issues Considered
Defaults < $500


Lite Doc

From 2.29% p.a.

Maximum LVR 70%

Income Substantiation:
  • 12 months BAS Statements AND
  • P&L from Accounting Package (eg: MYOB or Quickbooks) AND
  • PAYG Summary for Directors Wages (if applicable)
Income Calculation:
  • Income is calculated on Net Profit and Addbacks (inc Directors Wagers)
  • Best suited for Directors paid a wage
Minumum ABN Period: 2 Years
Minumum GST Period: 1 Year
No LMI/Risk Fee Payable
No LMI to 70% LVR (Major Savings)
 n/a Capitalise LMI/Risk Fee
Company Borrower
Family Trust Borrower
Refinance
Including Business Debt
Cash Out
ATO Debt Payout
Debt Consolidation
Construction
Vacant Land Accepted
Maximum 2Ha
Postcode Restrictions Apply
No Genuine Savings
Credit Issues Considered
Minor issues considered


Low Doc

From {Call Us}% p.a.

Maximum LVR 80%

Income Substantiation:
  • Accountant Declaration AND/OR
  • 12 Months BAS AND/OR
  • Last 6 Months Bank Trading Statements
  • Must have at least TWO of the above
Income Calculation:
  • Accountant Stated
Minumum ABN Period: 2 Years
Minumum GST Period: 1 Year (if applicable)
No LMI/Risk Fee Payable
No LMI to 70% LVR (Major Savings)
Capitalise LMI/Risk Fee
Company Borrower
Family Trust Borrower
Refinance
Cash Out
Not for business use
ATO Debt Payout
Debt Consolidation
Maximum 4 debts excluding mortgages
Construction
Vacant Land Accepted
No Genuine Savings
Credit Issues Considered
Defaults < $500


Low Doc

From {Call Us}% p.a.

Maximum LVR 60%

Income Substantiation:
  • 12 months BAS Statements
Income Calculation:
  • Income is calculated on 35%-65% of BAS Turnover (depending on Industry)
Minumum ABN Period: 1 Year
Minumum GST Period: 1 Year
No LMI/Risk Fee Payable
No LMI to 60% LVR (Typical Savings)
 n/a Capitalise LMI/Risk Fee
Company Borrower
Family Trust Borrower
Individual Trustees Only
Vetting Costs Apply
Refinance
Cash Out
Full Evidence required if cash out > $50,000
ATO Debt Payout
Debt Consolidation
Construction
Vacant Land Accepted
No Genuine Savings
Credit Issues Considered


Low Doc

From 3.24% p.a.

Maximum LVR 80%

Income Substantiation:
  • Last 6 Months Personal and Business Bank Trading Statements
    • PLUS Your choice of:
  • 6 Months BAS OR
  • Accountants Letter (we will supply)
Income Calculation:
  • Bank Statements need to support declared Nett Income (before tax)
Minumum ABN Period: 1 Year (higher rates if only self-employed 1 year)
Minumum GST Period: 1 Year (where applicable)
No LMI/Risk Fee Payable
No LMI to 70% LVR
Capitalise LMI/Risk Fee
Company Borrower
Rate Loadings may apply
Family Trust Borrower
Rate Loadings may apply
Refinance
Cash Out
ATO Debt Payout
Considered
Debt Consolidation
Rate loadings apply
Construction
Vacant Land Accepted
Restricted
No Genuine Savings
Credit Issues Considered
Rate Loadings apply


Low Doc

From {Call Us}% p.a.

Maximum LVR 70%

Income Substantiation:
  • Accountant Declaration
Income Calculation:
  • Accountant Stated
Minumum ABN Period: 2 Years
Minumum GST Period: 1 Year (if applicable)
Note: Needs to be a strong Low Doc Application for consideration
No LMI/Risk Fee Payable
No LMI to 70% LVR (Major Savings)
 n/a Capitalise LMI/Risk Fee
Company Borrower
Family Trust Borrower
Refinance
Cash Out
< $100k (Stated Purpose)
Limited to 20% of loan amount
To 60% LVR
ATO Debt Payout
Debt Consolidation
Construction
Vacant Land Accepted
No Genuine Savings
Credit Issues Considered


Low Doc

From 2.99% p.a.

Maximum LVR 80%

Income Substantiation:
  • Accountant Declaration AND/OR
  • 6 Months BAS AND/OR
  • Last 6 Months Bank Trading Statements
  • Must have at least TWO of the above
Income Calculation:
  • Accountant Stated
Minumum ABN Period: 2 Years
Minumum GST Period: 1 Year (if applicable)
Notes: Can apply for variation to Full Doc after 12 months with some income assessment.
Cat 1 Locations Only (click)
No LMI/Risk Fee Payable
No LMI to 80% LVR (MASSIVE Savings)
 n/a Capitalise LMI/Risk Fee
Company Borrower
Family Trust Borrower
Refinance
Cash Out
< $100k (Detailed Stated Purpose)
ATO Debt Payout
Debt Consolidation
Construction
Vacant Land Accepted
No Genuine Savings
Credit Issues Considered


Low Doc

From {Call Us}% p.a.

Maximum LVR 80%

Income Substantiation:
  • 12 months BAS Statements
Income Calculation:
  • 40% of BAS Turnover
  • Not suitable for ABN's older than 2 years
Minumum ABN Period: 1 Year
Minumum GST Period: 1 Year (if applicable)
Note: Needs to be a strong Low Doc Application for consideration
No LMI/Risk Fee Payable
No LMI to 60% LVR (Typical Savings)
Capitalise LMI/Risk Fee
Company Borrower
Limited
Family Trust Borrower
Limited
Refinance
Cash Out
Limted
ATO Debt Payout
Debt Consolidation
Construction
Vacant Land Accepted
Will consider most postcodes and sizes
No Genuine Savings
Credit Issues Considered


Low Doc

From 3.79% p.a.

Maximum LVR 80%

Income Substantiation:
  • Accountant Declaration OR
  • 12 months BAS Statements OR
  • 6 months Trading Statements
Income Calculation:
  • Accountant Stated OR
  • 'Sales Less Expenses'
Minumum ABN Period: 1 Year
Minumum GST Period: 1 Year (if applicable)
Note: Add 0.30% to Rate For 'Interest Only'
No LMI/Risk Fee Payable
Risk Fee payable for all LVR's
Capitalise LMI/Risk Fee
Company Borrower
Family Trust Borrower
Refinance
Cash Out
ATO Debt Payout
Debt Consolidation
Construction
CALL, Options Available
Vacant Land Accepted
CALL, Large Acreage Options Available
No Genuine Savings
Credit Issues Considered
CALL, Options Available


Low Doc

From 4.99% p.a.

Maximum LVR 80%

Income Substantiation:
  • Accountant Declaration AND/OR
  • 12 Months BAS AND/OR
  • Last 6 Months Bank Trading Statements
  • Must have at least TWO of the above
Income Calculation:
  • Accountant Stated OR
  • 'Sales Less Expenses'
Minumum ABN Period: 2 Year
Minumum GST Period: 2 Year (if applicable)
Note: Add 0.25% to Rate For 'Interest Only'
No LMI/Risk Fee Payable
Risk Fee payable for all LVR's
Capitalise LMI/Risk Fee
To 80% LVR
Company Borrower
Family Trust Borrower
Refinance
Cash Out
<$250k (Stated Purpose)
>$250k (Stat Dec)
ATO Debt Payout
Debt Consolidation
Construction
Vacant Land Accepted
No Genuine Savings
Credit Issues Considered
Unsecured Debt Arrears OK


Low Doc

From {Call Us}% p.a.

Maximum LVR 80%

Income Substantiation:
  • 3 months Trading and Personal Statements
Income Calculation:
  • 'Negotiable'
Minumum ABN Period: 3 Months
Minumum GST Period: Not Applicable
No LMI/Risk Fee Payable
Risk Fee payable for all LVR's
Capitalise LMI/Risk Fee
To 80% LVR
Company Borrower
Family Trust Borrower
Refinance
Cash Out
< $200k (Stated Purpose)
ATO Debt Payout
Debt Consolidation
Construction
Vacant Land Accepted
No Genuine Savings
Credit Issues Considered
CALL, Options Available


Low Doc

From 5.74% p.a.

Maximum LVR 85%

Income Substantiation:
  • Accountant Declaration OR
  • 6 months BAS Statements OR
  • 6 months Trading Statements
Income Calculation:
  • Accountant Stated OR
  • 'Sales Less Expenses'
Minumum ABN Period: 1 Year
Minumum GST Period: 1 Year (if applicable)
Note: Add 0.25% to Rate For 'Interest Only'
No LMI/Risk Fee Payable
Risk Fee payable for all LVR's
Capitalise LMI/Risk Fee
To 85% LVR
Company Borrower
Family Trust Borrower
Refinance
Cash Out
<$250k (Stated Purpose)
>$250k (Stat Dec)
ATO Debt Payout
Debt Consolidation
Construction
Vacant Land Accepted
Add 1.00% to Rate
No Genuine Savings
Credit Issues Considered
Defaults < $1,000
Unsecured Debt Arrears OK
7 days Mortgage Arrears OK
CALL, More Options Available


While every effort has been made to ensure the accuracy of information contained within these tables, Webloan Pty Ltd, its directors and employees provide no representation, or warranty, express or implied, regarding the accuracy, completeness or correctness of information contained herein. Consequently, none of the aforementioned parties shall be liable for any direct or indirect losses, damages or costs as aresult of relying on this information.

Need help understanding your loan options?Please call us on 1300 736 976 or send an enquiry now.