Low Doc Home Loans Made Simple for Self-Employed Australians
Get your low-doc home loan approved with Heritage Lending, where your business success matters more than your tax returns.
Why Self-Employed Professionals Choose Heritage Lending
Are you a successful business owner, contractor, or freelancer who's been told "no" by traditional banks? You're not alone. Every week, we help dozens of self-employed professionals secure the home loans they deserve without the endless paperwork and bureaucratic runaround.
At Heritage Lending, we understand that your ABN, bank statements, and business success tell a much better story than traditional PAYG documentation ever could. While the big banks see risk, we see opportunity. While they see complications, we see solutions.
Your irregular income isn't a weakness - it's a sign of entrepreneurial success. Your tax minimization strategies aren't red flags - they're smart business decisions. Your diverse revenue streams aren't confusing - they're the future of work in Australia.
Protecting Your Investment and Your Future
The Problem We Solve:
Traditional banks operate on outdated models designed for employees, not entrepreneurs. They want to see two years of tax returns showing consistent PAYG income, but that's not how modern business works. You might be earning $150,000 a year, but if you're smart about tax deductions and business expenses, your taxable income might look much lower on paper.
Meanwhile, you're paying $600-800 per week in rent - money that could be building equity in your own home. You're watching property prices rise while banks waste months asking for documents you simply can't provide. You're successful, creditworthy, and ready to buy, but the system seems designed to keep you out.
Our Solution:
Heritage Lending specializes in low documentation home loans that work for real people with real businesses. We've built relationships with specialist lenders who understand the self-employed market. We know which lenders accept bank statements instead of tax returns. We know which ones value your business assets and future earning potential.
We know the suburbs, the property values, and the opportunities. When you work with Heritage Lending, you're not just getting a loan - you're getting a local advocate who's invested in your success.
Specialist Lender Network:
While traditional banks have rigid criteria, we work with over 30 specialist lenders who understand the self-employed market. These aren't predatory lenders or loan sharks - they're legitimate financial institutions that have chosen to serve the growing self-employed market with competitive rates and fair terms. Our relationships with these lenders mean we can often secure approvals that other brokers can't.
Transparent Process:
No hidden fees, no surprise charges, no bait-and-switch tactics. We'll tell you upfront what documentation you need, what rates you can expect, and what the process looks like. Our fee structure is simple and transparent - we're paid by the lender when your loan settles, so our success is directly tied to yours.
Ongoing Support:
Your relationship with Heritage Lending doesn't end at settlement. We provide ongoing support for refinancing opportunities, investment property purchases, and business growth financing. As your business evolves, we'll help ensure your mortgage evolves with it.
Protecting Your Investment and Your Future
The Problem We Solve:
Traditional banks operate on outdated models designed for employees, not entrepreneurs. They want to see two years of tax returns showing consistent PAYG income, but that's not how modern business works. You might be earning $150,000 a year, but if you're smart about tax deductions and business expenses, your taxable income might look much lower on paper.
Meanwhile, you're paying $600-800 per week in rent - money that could be building equity in your own home. You're watching property prices rise while banks waste months asking for documents you simply can't provide. You're successful, creditworthy, and ready to buy, but the system seems designed to keep you out.
Our Solution:
Heritage Lending specializes in low documentation home loans that work for real people with real businesses. We've built relationships with specialist lenders who understand the self-employed market. We know which lenders accept bank statements instead of tax returns. We know which ones value your business assets and future earning potential.
We know the suburbs, the property values, and the opportunities. When you work with Heritage Lending, you're not just getting a loan - you're getting a local advocate who's invested in your success.
Specialist Lender Network:
While traditional banks have rigid criteria, we work with over 30 specialist lenders who understand the self-employed market. These aren't predatory lenders or loan sharks - they're legitimate financial institutions that have chosen to serve the growing self-employed market with competitive rates and fair terms. Our relationships with these lenders mean we can often secure approvals that other brokers can't.
Transparent Process:
No hidden fees, no surprise charges, no bait-and-switch tactics. We'll tell you upfront what documentation you need, what rates you can expect, and what the process looks like. Our fee structure is simple and transparent - we're paid by the lender when your loan settles, so our success is directly tied to yours.
Ongoing Support:
Your relationship with Heritage Lending doesn't end at settlement. We provide ongoing support for refinancing opportunities, investment property purchases, and business growth financing. As your business evolves, we'll help ensure your mortgage evolves with it.
How Our Low Doc Home Loans Work
Simple Documentation Requirements:
Forget about complex tax returns and employment letters. Our low doc home loans are designed for real businesses and real people. Here's what we typically need:
Bank Statements: Six months of business and personal bank statements showing regular income deposits. We're looking for consistency and cash flow, not perfect monthly amounts.
Accountant's Letter: A simple letter from your accountant confirming your income and business viability. If you don't have an accountant, we can recommend qualified professionals who understand low doc requirements.
Business Activity Statements: If you're GST registered, your BAS statements provide excellent income verification. They show the ATO that you're running a legitimate business with regular revenue.
Asset Documentation: Details of your business and personal assets. Your equipment, vehicles, property, and investments all contribute to your overall financial position.
ABN and Business Registration: Proof that you've been operating your business for at least 12 months (some lenders accept 6 months with prior industry experience).
The Assessment Process:
Our specialist lenders don't just look at your paperwork - they look at your whole financial picture. They consider your industry experience, business assets, cash flow patterns, and growth potential. They understand that self-employed income can be variable and that smart tax planning might reduce your taxable income.
Why Choose Heritage Lending's Low Doc Solutions
Competitive Interest Rates:
Low doc doesn't mean high rates. Our specialist lenders offer competitive interest rates that are typically only 0.5% to 1.5% higher than standard home loans. When you consider the speed and convenience of our process, plus the opportunity cost of waiting for traditional approval, our rates represent excellent value.
Higher Loan-to-Value Ratios:
Many of our lenders offer up to 80% LVR on low doc loans, meaning you need just a 20% deposit. Some specialist lenders even offer 85% or 90% LVR for strong applications. This means you can get into the property market sooner with less cash upfront.
Flexible Loan Features:
Our low doc loans come with all the features you'd expect from a modern home loan. Interest-only options for investment properties or cash flow management. Offset accounts to reduce interest charges. Redraw facilities for business flexibility. Fixed and variable rate options to suit your risk profile.
Fast Approval Times:
While traditional banks might take 6-8 weeks for complex self-employed applications, our low doc loans typically settle within 3-4 weeks. Some of our lenders can provide conditional approval within 48 hours of receiving your complete application.
Investment Property Options:
Building a property portfolio as a self-employed person has never been easier. Our low doc investment loans allow you to leverage your business success into property wealth. With rental income helping to service the loan and tax benefits supporting your business, investment property can be an excellent wealth-building strategy.
Construction Loan Availability:
Want to build your dream home? Our low doc construction loans allow self-employed borrowers to access the new home market. Progressive drawdowns match your building timeline, and our lenders understand the unique cash flow requirements of construction projects.
Why Choose Heritage Lending's Low Doc Solutions
Competitive Interest Rates:
Low doc doesn't mean high rates. Our specialist lenders offer competitive interest rates that are typically only 0.5% to 1.5% higher than standard home loans. When you consider the speed and convenience of our process, plus the opportunity cost of waiting for traditional approval, our rates represent excellent value.
Higher Loan-to-Value Ratios:
Many of our lenders offer up to 80% LVR on low doc loans, meaning you need just a 20% deposit. Some specialist lenders even offer 85% or 90% LVR for strong applications. This means you can get into the property market sooner with less cash upfront.
Flexible Loan Features:
Our low doc loans come with all the features you'd expect from a modern home loan. Interest-only options for investment properties or cash flow management. Offset accounts to reduce interest charges. Redraw facilities for business flexibility. Fixed and variable rate options to suit your risk profile.
Fast Approval Times:
While traditional banks might take 6-8 weeks for complex self-employed applications, our low doc loans typically settle within 3-4 weeks. Some of our lenders can provide conditional approval within 48 hours of receiving your complete application.
Investment Property Options:
Building a property portfolio as a self-employed person has never been easier. Our low doc investment loans allow you to leverage your business success into property wealth. With rental income helping to service the loan and tax benefits supporting your business, investment property can be an excellent wealth-building strategy.
Construction Loan Availability:
Want to build your dream home? Our low doc construction loans allow self-employed borrowers to access the new home market. Progressive drawdowns match your building timeline, and our lenders understand the unique cash flow requirements of construction projects.
Take the First Step Toward Homeownership
Book Your Free, Confidential Consultation Today
Ready to turn your credit challenges into homeownership success? Our free, no-obligation consultation is completely confidential. We'll assess your situation with compassion and honesty, explain your options clearly, and provide a realistic pathway to homeownership. No judgment, no pressure, just genuine help from people who care about your success.
Our Promise to You
100% Satisfaction Guarantee:
If we can't find you a suitable low doc loan option, our consultation is completely free. We're so confident in our ability to help self-employed borrowers that we guarantee results or you pay nothing.
No Obligation Assessment:
Our initial consultation involves no commitment from you. We'll assess your situation, explain your options, and provide honest advice about your prospects. You're free to take our recommendations to other brokers or pursue other options.
Transparent Fee Structure:
We'll explain our fee structure upfront with no hidden charges. You'll know exactly what you're paying and when, with no surprises at settlement.
Honest Communication Promise:
We promise to give you honest, realistic assessments of your situation. We won't give you false hope or make promises we can't keep. If we can't help you immediately, we'll explain what steps you can take to improve your position.
Ongoing Support Commitment:
Your relationship with Heritage Lending doesn't end at settlement. We provide ongoing support for refinancing, investment opportunities, and business growth financing throughout your property journey.
Ready to take the next step? Your dream home is waiting, and we're here to make it happen. Call Heritage Lending today and discover why we're Australiansuburbs' most trusted low doc mortgage specialists
Our Promise to You
100% Satisfaction Guarantee:
If we can't find you a suitable low doc loan option, our consultation is completely free. We're so confident in our ability to help self-employed borrowers that we guarantee results or you pay nothing.
No Obligation Assessment:
Our initial consultation involves no commitment from you. We'll assess your situation, explain your options, and provide honest advice about your prospects. You're free to take our recommendations to other brokers or pursue other options.
Transparent Fee Structure:
We'll explain our fee structure upfront with no hidden charges. You'll know exactly what you're paying and when, with no surprises at settlement.
Honest Communication Promise:
We promise to give you honest, realistic assessments of your situation. We won't give you false hope or make promises we can't keep. If we can't help you immediately, we'll explain what steps you can take to improve your position.
Ongoing Support Commitment:
Your relationship with Heritage Lending doesn't end at settlement. We provide ongoing support for refinancing, investment opportunities, and business growth financing throughout your property journey.
Ready to take the next step? Your dream home is waiting, and we're here to make it happen. Call Heritage Lending today and discover why we're Australiansuburbs' most trusted low doc mortgage specialists