Flexible finance
for self-employed
&
low-doc borrowers
Self-employed or have non-traditional income? A low-doc loan could help you secure a home or investment loan without needing years of tax returns or payslips.
What is a low-doc loan?
A low-doc loan is designed for borrowers who can prove their income in ways other than traditional payslips. Instead of requiring full financials, lenders accept documents like bank statements, BAS statements, or accountant declarations.
Ideal for self-employed borrowers
Perfect for business owners, freelancers, and contractors without traditional payslips.
No full tax returns needed
Apply without needing to provide two full years of tax or financial statements.
Buy sooner, with less admin
Get approved faster without waiting for end-of-year financials or ATO processing.
Options for home-owners & investors
Low-doc loans are available for both residential and investment property purchases.
We’ll help with the paperwork
Know exactly what you need to submit, so you avoid delays and keep things simple.
Flexible income verification
Use BAS statements, bank statements, or an accountant declaration to show income.
The right loan, structured for you
Self-employed borrowers often get stuck with the wrong loan because banks don’t understand non-traditional income. We secure the right loan, with the best structure, so you don’t overpay or get locked into a bad deal.
Lenders that understand self-employed income
Loan structures that fit your cash flow
We match you with offset, interest-only, or variable options designed around how your business earns.
Rates that reflect your strength
Avoid the traps of standard loans
We protect you from poor loan setups that could limit borrowing or cost you more long term.
The biggest mistake self-employed borrowers make
Many self-employed buyers go straight to their bank only to get rejected or charged higher rates. Banks often don’t know how to assess low-doc income properly, which means many business owners get stuck paying too much.
We make sure you get:
A lender that understands self-employed borrowers
A competitive rate that saves you money
A loan structure that fits your cash flow
We help business owners, freelancers, and contractors access lending using alternative income documentation like BAS, bank statements or accountant declarations without the usual red tape.
What out clients say
I’ve had an outstanding experience with OpenCorp. The whole process was seamless from start to finish. The team were professional, knowledgeable, and supportive throughout every stage. They made the entire journey – from finding the right property, securing finance, right through to property leasing and management – completely stress-free.
Michael
We have 2 properties with Opencorp. They have a team of superstars ready to answer anything that needs addressing. Our experience was smooth and stress free, exactly what you want when starting out on an investment journey. Exceptional service 10 out of 10 and we have absolutely no hesitation in recommending Opencorp to anyone looking to start or build on their investment property journey.
Elise
Adrian
How to get a low-doc loan
step-by-step
Applying for a low-doc loan? Here’s how we make the process simple and stress-free.
Low-doc loan FAQs
Who are low-doc loans for?
Low-doc loans are for self-employed borrowers, business owners, freelancers, and investors who can’t provide traditional PAYG payslips but can prove income through other means.
What documents can I use to verify my income?
Lenders may accept:
- BAS statements
- Business bank statements
- Accountant declarations
- Profit & loss statements
Do low-doc loans have higher interest rates?
Can I get a low-doc loan with a 10% deposit?
Yes, some lenders allow low-doc loans with 10-20% deposits, but Lenders Mortgage Insurance (LMI) may apply for lower deposits.
Can I refinance an existing low-doc loan?
Yes! Many borrowers refinance once they have full financials, securing a better rate with a standard loan.
How quickly can I get approved for a low-doc loan?
Pre-approval takes 2-3 days, and formal approval takes 5-10 days, depending on the lender.
Can investors use low-doc loans?
Yes! Many investors use low-doc loans to expand their portfolios without waiting for full financials.
Do all banks offer low-doc loans?
No, only certain lenders offer low-doc loans. We match you with the right lender for your situation.
What’s the biggest mistake low-doc borrowers make?
Applying with a bank that doesn’t understand low-doc income. This leads to higher rates, rejections, or unnecessary delays.
Do I pay extra fees for a low-doc loan?
Some lenders charge higher fees or LMI, but we ensure you get the best deal possible.
Get the right low-doc loan for your situation
Self-employed? Non-traditional income? We’ll find the right loan without the stress.