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  • Home
    • About Us
    • Why Choose Us?
  • Loans
    • Low Doc Loans
    • Commercial Loans
    • Bad Credit Loans
    • SMSF Loans
    • Loans for Medical Professionals
    • Non-Resident Loans
    • Traditional Home Loans
    • Vehicle & Asset Lending
  • Apply Now
    • Free Loan Assessment
    • Car & Asset Quote
  • News & Updates
    • Property Investment Glossary
  • Calculators
    • How Much Can I Borrow?
    • P & I / Interest Only
    • How Long to Repay?
    • Extra Repayments
    • Stamp Duty
    • Complete Loan Comparison
    • Mortgage Offset
    • Comparison Rate
    • Split Loan
    • Lease
    • Achieve My Savings Target
    • Income Tax
    • Budget
  • Contact

Low Doc Loans

Low Doc Loans – Sherlock Loans

WHY THE BANKS REJECT THE SELF-EMPLOYED

  • BAS & Financials not up to date
  • LVR greater than 60% required
  • Equity Release (also known as cash out) required
  • Equity Release required for Business purposes or in larger amounts than the banks will allow
low doc loans

If you are self-employed but don’t have current financials, getting a loan approved can be difficult as most lenders require a minimum of 2 years full financials and tax returns as evidence of income. As an alternative to this Low Doc Loans rely on a self-declaration of your income supported by additional documentation such as an accountants letter, BAS Statements or Business Banking Statements.

Depending on your circumstances, and what documentation you are able to provide, we can assist.  We have loans to suit all low doc lending scenarios. We can often get loans approved even if they are outside normal lending criteria as we have forged very strong unique relationships with our funders over many years of working with them.

What other Brokers won't admit about Low Doc Loans!

Low Doc Loans are, as a general rule (there are always exceptions), uncomplicated! Simply put, we like writing low doc loans because of this.

Uncomplicated means:

  • You get your loan approved without have to jump through too many hoops!
  • We get to write your loan without having to jump through too many hoops!

Happy client, Happy Broker!

Uncomplicated however does not mean:

  • Riskier
  • Far more expensive
  • Less Compliant

All our Low Doc Loans are thoroughly assessed and the same level of responsible lending and vigilance is applied by all of our brokers to all of our loans.

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Contact us today and we will customise a loan proposal specific to your individual low doc lending needs.

At Sherlock, we provide true low doc lending options to our self-employed clients and our loan products are the best in the market.  Some of our loan features include:

  • Interest Rates as low as 4.75%
  • Loan to Value Ratios (LVR) as high as 90%
  • Unlimited cash out & loans from $100,000 to $2,500,000 (higher for commercial)
  • Flexible equity release options including business purposes and payment of ATO debts
  • Low Doc Construction
  • Credit Impaired Low Doc options
  • Commercial Low Doc options
  • Company & Trust Borrowers
  • Low Doc loans for vacant land
  • Minimum 12 month ABN
  • Fixed & Variable Rate options
  • Settlement usually within 3 weeks
  • Quick decisions, confidential and accurate advice
  • No Lenders Mortgage Insurance

Bad Credit Low Doc Loans

Some of the low doc loan products we have available allow for adverse credit to be registered on your credit file – the exact amount that will be allowed by lenders will be determined by both your credit file, the loan to value ratio and your individual circumstances.

Complete our simple online quote request form and let us tailor a customised lending solution for your bad credit low doc loan today!

APPLY NOW


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