Low Doc Home Loans › Can I get a low doc loan with bad credit?

Can I get a low doc loan with bad credit?

Sometimes. Low doc and credit history are separate issues. Some specialist lenders consider low doc borrowers with past credit problems, though usually with a larger deposit and a higher rate. The cause and recency of the credit issue matter.

Written by Ross McFarlane, Licensed Mortgage Broker (Credit Representative 526725). About the author

Why this matters

Low doc is about how you prove income, not about credit, so the two are assessed separately. A clean credit file makes low doc straightforward, while past defaults narrow the field to specialist lenders on tighter terms. Many of these situations improve with time, and the loan can be reviewed and refinanced as your record recovers.

The key points

Low doc and credit history are assessed separately.
Specialist lenders may consider past credit issues.
Expect a larger deposit and a higher rate.
Terms often improve as your credit recovers.

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Last reviewed: June 2026

General information only. This page provides general information about home loans and is not financial or credit advice, a quote, or a guarantee, and your personal circumstances have not been considered. Lending policies, interest rates, fees and eligibility vary by lender and change over time. Always confirm your own situation with a licensed mortgage broker or lender before acting. Ross McFarlane (Credit Representative 526725) is an authorised Credit Representative of Australian Associated Advisers Pty Ltd t/a Keylend, Australian Credit Licence 392169.