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Commercial Property Loans

Low-Doc Home Loan Solutions in Australia

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Our 5-Star Google & Facebook Ratings reflect clients’ satisfaction, positioning us among Australia’s most trusted mortgage brokers!

Light Paperwork for a Home Within Your Reach

Are you worried about getting a home loan just because you’re self‑employed? Or new ABN? Are you facing challenges at banks for not having up‑to‑date financials? Whether you’re a first-home buyer, investor, or a refinancer in Australia, VOXFIN helps you get funds with fewer documents.

Did you know that you can plan to buy or refinance your own home in Australia even if you don’t have full financials? How? With VOXFIN’s top-notch low-doc home loan options in Melbourne and across Australia! Homeowners from around the nation recommend us for arranging low-documentation home loan solutions along with Melbourne’s local expertise.

For a housing loan with low-documentation requirements or a low-doc mortgage loan in Melbourne and beyond, VOXFIN has been the chosen name for many. We match your documentation to the right lender policy, ensuring a clean, faster approval.

Ready to check your options?
Call now to book a 15-minute call with us!

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Who it’s for

  • Sole traders, company directors, trusts, and contractors
  • Rapid growth businesses
  • Recently self‑employed personnel
  • Clients with interim financials or irregular income

Required documents (may vary from lender to lender)

  • Business bank statements for the last 6–12 months
  • BAS summaries of the last 2–4 quarters
  • Accountant’s declaration
  • Lease or rental statements, dividends, and service contracts

Are credit bumps or ATO arrears troubling you?
Why not explore bad credit loans and alternate pathways to approval!

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What are the key features of low-doc home loan options

  • You can borrow up to 80–85% LVR, which is higher on niche products.
  • You can explore interest‑only or P&I options.
  • You can expect debt consolidation and cash‑out for business purposes (policy‑dependent) — ask about Refinancing pathways.
  • You can expect faster pre‑approvals and refinance pathways after a strong conduct for the initial 6–12 months.

Why partnering with VOXFIN will add value for you

  • We focus on structuring your income correctly through genuine savings, add‑backs, rental shading, etc.
  • We hunt the right lenders who accept your documentation.
  • We navigate credit policy accurately to get it right the first time.

Want to give it a quick start?
Speak to VOXFIN’s low-doc specialist now!

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What You Need to Prepare

  • ATO status 
  • ID
  • ABN/ACN details
  • Bank statements/BAS/accountant letter
  • Details of existing loan statements & liabilities (if any)

At VOXFIN, we help you with a tailored borrowing‑power assessment, followed by a quick shortlist of the most suitable lenders within 24 hours.

How Does VOXFIN Stand Out with Low-Doc Home Loans?

A Network of 40+ Lenders

Our strong network of over 40+ lenders includes banks, non-banks, and specialist lenders.

Faster Approval

Approvals as fast as within 24 hours are our speciality.

Custom-Tailored Solutions

While we handle complex cases that others decline, we’re committed to providing customised solutions to each case.

No Upfront Fees

You have to pay us only when your loan is settled because we don’t charge any upfront fees.

Frequently Asked Questions (FAQs)

Questions and queries related to Home Loans

What is a Low-Doc Home Loan and how does it work?
A low-doc home loan is a mortgage using alternative income evidence, such as BAS/bank statements/accountant’s letter, instead of the typical full tax returns.
Who can apply for a Low-Doc Mortgage Loan in Australia?
In Australia, self‑employed borrowers, including sole traders, contractors, company directors, and trusts, subject to ABN age and overall profile, can apply for a low-doc mortgage loan.
How much can I borrow on low‑doc?
You can borrow up to 80–85% LVR with the right profile and documentation. We can confirm your cap quickly.
Are rates higher than full‑doc?
Yes. Many clients refinance to sharper pricing after 6–12 months of solid repayment conduct.
What documents are required for a Low-Doc Housing Loan in Australia?
Typically, BAS (2–4 quarters) or 6–12 months’ business bank statements, ID, ABN and any rental/contract income are required. Typically, lenders prefer business bank statements and BAS. Some also accept accountant letters. We will help you align with policy.
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Can I apply without tax returns or payslips?

Yes. The low-doc option relies on alt‑doc, like BAS/bank statements. VOXFIN chooses a lender that accepts your documents.

Are Low-Doc loans available for investment properties and owner‑occupied homes?
Absolutely. However, both LVRs and pricing differ by purpose and risk.
Can I consolidate debt or access cash‑out?
Mostly yes, within policy. It’s all about positioning the purpose correctly to the lender. We will do that.
What about a first‑home buyer with a new ABN?
Yes, we have different pathways for first-home buyers with a new ABN. We will check your eligibility, guarantees, and grants wherever relevant.

Get a Free Consultation

info@voxfin.com.au

03 70652000|0435 393 623

The best commercial mortgage brokers in Australia will guide you. Expert commercial mortgage brokers at VOXFIN analyse your business and cash flow to find tailored solutions for your unique business needs.

We are committed to being with you at every step of your commercial loan process. We keep your best interests ahead of everything by providing solutions powered by solid industry expertise and deep financial knowledge to help you make an informed decision. We work with you to simplify the borrowing process and get you the lowest interest rates on your commercial loan with the simplified loan process.

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    What Our Customers Say

    Gurdeep Kumar at VOXFIN is a great professional and has deep financial knowledge. He helped me purchase my property under an SMSF. Gurdeep is an expert in SMSF property loans. As an investor, I know SMSF property loans are a lengthy process. From start to settlement, the process was well-informed. Highly recommend Gurdeep Kumar and it’s team at VOXFIN.

    - Ketan Patel

    Thanks to Gurdeep, He is an extra ordinary knowledgeable person with complete grip on ongoing market situations. I sought help from him and he has gone an extra mile.
    Highly recommended.

    - Haris Khan

    VOXFIN is awesome! Gurdeep is super helpful and knows his stuff. He made the whole process simple and guided me step-by-step with great advice. He got me the lowest rate for my land and construction home in Brisbane. Highly recommend Gurdeep and VOXFIN for home loans and financial needs

    - Maria Thomas

    VOXFIN is the best! Gurdeep is friendly, knowledgeable, and made everything easy to understand. He got us an amazing rate for our land and construction home in Brisbane. Couldn’t have done it without him! Five stars all the way!

    - Shino Varghese
    Gurdeep at VOXFIN is fantastic! He helped me get a personal loan with the lowest interest rate, making the process smooth and stress-free. Gurdeep is quick, efficient, and highly professional. Highly recommend VOXFIN for personal loans in Melbourne!
    - Aditya Mushnuri

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