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A low doc mortgage is the right solution if you’re self-employed or can’t provide proof-of-income. It is a great way to get into your own home even without extensive proof around income.

Types of Self Employed Loans

Variable Home Loans

Fixed Home Loans

Low Doc

Interest Only Loans

We realize that many self employed business owners optimise their businesses for tax efficiency and growth. Mortgage House has several loan options to help you purchase your dream home.

They include No/Low Doc options available for almost every type of circumstance. Our No/Low Doc loans allow you to purchase a property with little or no paperwork or documentation in what is known as a “self-verification” process.

Self employed borrowers often face more hurdles when applying for loans. Our Mortgage House Home Loan Specialists can help you understand which documents you’ll need to obtain a loan pre-approval.

We can help you put together a cash flow statement that shows your income and expenses. Depending upon the type of loan you’re applying for, you’ll also be asked to provide the following types of documents:

  • Your personal and business tax returns for the past two-three years
  • Financial statements for your business for the past two-three years
  • Proof of ability to make a deposit or downpayment of 20% on most home loans.

Once you have your pre-approval, you’re in a strong position to make an offer on your dream home. A Home Loan Specialist can help you draw up your offer and make recommendations on what points to include.

  • Ask for ten days to complete your home inspection and final financing approval, instead of the typical day time period
  • The ten day ‘cooling off’ period gives you time to do a walk-through and pest inspection
  • You’ll also give us enough time to complete the processing of your loan application and obtain a proper valuation.

Our Self Employed Loans

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