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What is a low-doc home loan?
Low-doc home loans are ideal for anyone with a fluctuating income stream who doesn’t meet the standard lending criteria, such as self-employed people, contract workers, small business owners or investors who rely on their investment income
You’ll still need a good credit history for a low-doc home loan and you’ll probably need to provide an Australian Business Number (ABN). Due to the higher perceived risk, low-doc loans have higher interest rates, require a larger deposit and have stricter lending terms and conditions.