About LowDoc AU

LowDoc AU is an independent information hub for self-employed Australians navigating the low doc home loan market. We explain how low doc and alt doc lending works, what lenders actually look for, and how to give your application the best chance — without the sales pitch.

We don’t originate loans, take lender commissions, or favour any particular provider. All guides are written on the merits.

Who We Write For

Sole traders and freelancers with variable or hard-to-document income
Company directors whose drawings don’t reflect true business cash flow
Contractors on short-term or project-based engagements
Expats and non-residents with overseas income
Property investors who need specialist lenders outside the Big 4

What We Cover

Topic	What You’ll Find
Low Doc Home Loans	BAS requirements, LVR limits, rate comparisons, lender policies
Alt Doc Loans	Accountant letter criteria, bank statement lending, income verification
Self-Employed Finance	ABN age requirements, BAS history, tax structuring considerations
Investment Lending	Interest-only, portfolio lending, negative gearing with low doc
Commercial Low Doc	Office, retail, industrial — up to $5M with 12 months BAS
SMSF Lending	Using superannuation to purchase property via self-managed super

Our Standards

Independence: No lender pays to appear in our comparisons or guides
Accuracy: All LVR limits, rate ranges and policy details are sourced from lender product sheets and ASIC-regulated disclosures
Currency: Low doc lending policy changes frequently — we update guides whenever major lenders revise their criteria

Technology

Stack: Astro 5 + Tailwind CSS + Cloudflare Pages (100% static, no tracking)
AI-ready: We publish llms.txt and llms-full.txt so AI assistants can accurately cite our content

Contact

Email: [email protected]
RSS: /rss.xml

General information only. Not financial advice. Always consult a licensed mortgage broker or financial adviser before applying for any loan product.

Last updated: May 2026.