Low-doc Investment Loans

Most self employed borrowers love to invest in the residential property. Some lenders have designed the low-doc investment to make it easier for the self employers to get the loan. Most lenders only take fully detached home or vacant land. However, there are some lenders that will take inner city apartments or serviced departments.

Cash out restriction:


  • Not many lenders allow the borrowers to get cash out because the lenders cannot control whether the borrowers will use the cash out for the stated purpose. Therefore, they may require some evidence to confirm that the use of cash out. However, some lenders are flexible enough to accept cash out without asking for evidence.

Low-doc investment loan requirements:

  • In order to apply for low-doc investment loan, you must be in your current business for at least 2 years.
  • Most lenders will only lend you maximum 80 per cent of the property value and you can only waive lender mortgage insurance if the LVR is less than 60 per cent.
  • Perfect credit scoring and clear credit file are required to apply for this type of loan.

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