Low Doc Home Loans › How much deposit do you need for a low doc loan?

How much deposit do you need for a low doc loan?

Low doc loans usually require a larger deposit than full doc loans, commonly around 20 percent, so that the lender holds more equity in the property given the lighter income verification.

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

Why this matters

The larger deposit is the trade off for lighter documentation. More equity reduces the lender risk, which is why low doc terms tighten as your deposit shrinks. If you can reach around 20 percent you open up more lenders and better pricing. A broker can show how your deposit changes the options available.

The key points

A larger deposit is typical, often around 20 percent.
More equity offsets the lighter income proof.
Bigger deposits open more lenders and better pricing.
Deposit size strongly shapes your low doc options.

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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.