Unlock Homeownership with Flexible Low Doc Loans
At Heritage Lending, we know that not everyone fits the traditional lending mold. Self-employed professionals, small business owners, contractors, and freelancers often face challenges when it comes to providing standard PAYG documentation. That’s why we offer Low Documentation (Low Doc) loans—giving you the flexibility you need while still securing competitive rates and favorable terms.
Who Low Doc Loans Are Designed For:
- Self-employed individuals
- Small business owners
- Freelancers and contractors
- Gig economy workers
- Seasonal income earners
Flexible Documentation Options
We understand your income may not always fit neatly into a standard payslip. That’s why we accept a wide range of verification options, including:
- Accountant’s letters
- Six months of bank statements
- BAS statements (last six months)
- Business transaction records
- Asset documentation
- Tax returns (if available)
Key Loan Features & Benefits
- Competitive interest rates
- Up to 80% LVR available
- Interest-only repayment options
- Fixed and variable rates
- Construction loan options
- Investment property finance
- Owner-occupied loan solutions
A Simple Application Process
- Initial Consultation – Business review, income assessment, and goal setting
- Documentation Preparation – Guidance on verification options and asset records
- Application Submission – Matching you with the right lender, compiling documents, and managing submission
Eligibility Criteria
- Active ABN (minimum 12 months)
- GST registration (if required)
- Clean credit history
- Evidence of regular income deposits
- Strong business and asset position
At Heritage Lending, we make financing easier for the self-employed by tailoring loan solutions to your unique circumstances. We take care of the paperwork, match you with the right lender, and ensure the process is smooth and stress-free.
Get in touch today to explore your Low Doc loan options and take the next step toward property ownership with confidence.