Low Doc Loans
Flexible Low-Doc Loan Solutions For Business Owners
Applying for a loan as a self-employed Australian can be challenging. Traditional lenders often require full financials, tax returns, and payslips—but if you run your own business or earn an irregular income, providing these documents isn't always straightforward.
That's where low doc loans come in. These loans offer a simplified pathway to homeownership, allowing you to verify income through alternative means rather than extensive paperwork. At Evoke Capital, we specialise in helping business owners secure competitive home loans without the hassle of traditional lending requirements.
What is a Low Doc Loan?
A low doc loan (short for "low documentation loan") is designed for borrowers who may not have conventional proof of income, such as payslips or detailed financial statements. Instead, lenders accept alternative verification methods, making it easier for self-employed Australians to secure finance.
Low Doc Loans are ideal for:
- Business owners who reinvest profits and minimise taxable income
- Freelancers and Contractors with fluctuating earnings
- Self-employed professionals with non-traditional pay structures
- Property investors relying on rental income rather than wages
- Australians with complex financial structures that don't fit standard loan criteria
How Do Low Doc Loans Work in Australia?
Instead of requiring full tax returns and extensive financials, lenders may accept:
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Business Activity Statements (BAS) from the past 6–12 months
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Bank statements showing steady deposits and cash flow
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Accountant declarations confirming your income and financial standing
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Proof of an active ABN registered for at least 12 months
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GST registration (if applicable)
These alternative verification methods allow borrowers to access finance without full documentation, making it a practical solution for self-employed Australians.
Why Partner with Evoke Capital
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Award-winning mortgage brokers
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Combined 50+ years residential and commercial lending experience
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Platnium bank status and access 100+ home lenders with the best interest rates
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Fully digital application and approval process, where you can track your loan application in real time.
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6-monthly interest rate reviews and annual strategy sessions.
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100% 5-Star Google Reviews
We are rated in the Top 1% of Mortgage Brokers in Australia
The Best Rates with 100+ Lenders
Key Benefits of Low Doc Loans
Less Paperwork
Avoid the hassle of full financial documentation that is required by most major and non-major banks. We use select bank and non-bank lenders who have a track record in delivering for self-employed applicants.
Flexible Income Verification
Don't wait for your financials to be completed by your accountant, then analysed by the bank for weeks on end. We can leverage your BAS, bank statements, or an accountant declaration to obtain the finance you need for your home, investment property or business.
Fast Approval Process
Get home loan approval without unnecessary delays. We use lenders that can approve low-doc loans within 24 hours depending on the transaction, leveraging our platnium status to get you the best outcomes.
Competitive Interest Rates
Business Owners can achieve competitive interest rates when they are dealing with mortgagee brokers who understand and appreciate how their business works.