Low Doc Home Loans › Can I get a low doc investment loan?

Can I get a low doc investment loan?

Yes. Low doc loans are available for investment properties as well as owner occupied homes, using the same kind of alternative income evidence. Terms, deposit and rate may differ from an owner occupied low doc loan.

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

Why this matters

Investors who are self employed face the same documentation challenge, and low doc serves them too. The rental income from the property can also support the application alongside your business income evidence. As with all low doc lending, lender choice and deposit drive the terms, so it pays to compare.

The key points

Low doc applies to investment as well as owner occupied.
Uses the same alternative income evidence.
Rental income can support the application.
Deposit and rate may differ from owner occupied.

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See if a low doc loan fits you

Answer a few quick questions and we can match your situation to lenders that accept alternative income evidence.

Check Your Options

A few quick questions, no obligation.

What is your goal?

Buy a home or investment property First home, next home, or adding to your portfolio Build a house or develop land New build, renovation, duplex, or subdivision project Lower my current repayments Better rate, release equity, or restructure existing debt Finance an established commercial property Business premises or commercial investment asset

Tell us a bit more about the plan

How do you earn your income?

Standard salary or wage Full-time, part-time, or casual employment (PAYG) Self-employed or business owner Sole trader, company director, or contractor

How is your credit score?

This helps us match you to the right lender from the start.

Healthy No issues that I am aware of A few small marks A couple of late payments, now caught up Not sure, or it is complicated We work with specialist lenders for these situations

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More low doc home loans questions

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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.