Low Doc Home Loans › How much can I borrow on a low doc loan?

How much can I borrow on a low doc loan?

It depends on your declared and evidenced income, your deposit, and the lender. Low doc borrowing power is generally assessed conservatively, and a larger deposit tends to support a higher loan, but the income you can demonstrate is the main driver.

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

Why this matters

Low doc borrowing power rests on the income you can genuinely evidence, not just declare, so strong BAS, bank statements or an accountant letter directly affect how much you can borrow. Lenders apply their own caps and buffers, which is why the same borrower can be offered quite different amounts. A broker can map your realistic range before you apply.

The key points

Declared and evidenced income is the main driver.
A larger deposit tends to support a higher loan.
Lenders assess low doc conservatively.
Borrowing amounts differ between lenders.

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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.