Low Doc Loans, Low Doc Home Loans

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Low Doc Home Loans

If you take out a 'low-doc' (low documentation) loan you won't need to give your lender or mortgage broker as many documents to prove your income, assets and liabilities.

You still have to apply in writing and sign your loan agreement, but you may not be required to produce payslips, tax returns or other proof of income as with traditional full doc loans. You are usually required to state your income - a process called self-certification.

Low-doc loans can help if you do not qualify for a standard loan. It is important to understand that Low Doc Loans generally have a greater deposit requirement and also come at the cost of a slightly higher interest rate.
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