Home Loans

Low doc home loan

For self-employed free thinkers, our low doc home loans are flexible to keep up with your ideas.

Liberty Home loans

Alternative income verification for free thinkers

Perfect for self-employed borrowers, our low doc loan has alternative income verification and flexibility.

  • Suitable for self-employed

  • Flexible income verification

  • Borrow up to 85% of purchase price#

  • Rates from 7.39% p.a.# (7.66% p.a. comparison rate*)

Easy to understand features, variables and fees


Maximum LVR 85%
Maximum loan amount**
Minimum loan amount
Principal and interest
Interest only***
Free online redraw
Third party account transfers
Split loans****
100% offset facility with Visa Debit card##
Additional repayments
Repay weekly, fortnightly, monthly
Fixed rate options

Loan variables

Start-up or established business
Cash for working capital
Debt consolidation
Credit impairment+++


Application fee
Valuation fee^^
Settlement fee
Ongoing fee (annual)
Online redraw fee
Manual redraw fee
Discharge fee

Ready to get moving?

Wherever you are in your journey, help is here however you need it.

Check your borrowing power

Use our simple calculator to work out how much you might be able to borrow.

Get online pre-approval

Move ahead with confidence. Our online indicative pre-approval tool gives you an answer instantly. It's fast and fuss free.

Contact a trusted adviser

Your local Liberty Adviser will be able to look at your financial situation and help you decide the best way forward.

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Frequently asked questions

  • A low doc home loan is an otherwise standard home loan that does not require the typical income verification such as recent tax returns or financial statements. While each lender has their own requirements and will accept different types of documents to assess your income, typical examples include a signed accountant’s declaration of your income, Business Activity Statements (BAS) and old tax returns.

  • Low doc home loans are a way for small business owners, freelancers and other ABN holders to meet the requirements of a loan application. They are designed for customers who otherwise wouldn't be able to get a home loan due to their inability to validate their earnings using traditional methods. Low doc home loans often suit self-employed Australians, investors who rely on their investment income and contract workers. Liberty low doc home loans combine our low interest rate with a range of flexible home loan features, with options for start-up or established businesses.

  • Your eligibility will be improved by good credit history, and low doc mortgage lenders will want to know that you can afford repayments. There are many reasons why you might not have the full suite of documents or financials needed for a full doc loan application. For example, your most recently lodged tax returns may be over a year old and may not reflect your current income level. To find out more, check out our home loan calculators or get in touch with a Liberty Adviser, who can talk with you about your situation to find a lending solution that best suits you.

  • Liberty provides a range of full doc and low doc loans for self-employed customers with varying levels of verification.

    For a self-employed borrower applying for a low doc loan secured by residential property, we can look at alternative documentation such as bank statements, BAS statements, or a completed accountant’s declaration.

  • Liberty provides a range of home loans for self-employed borrowers. Depending on your credit history and amount you wish to borrow, the deposit will vary from customer to customer. To find out more, check out one of our home loan calculators or get in touch with a Liberty Adviser, who can talk with you about your situation to find a lending solution that best suits you.

  • At Liberty, we look at the whole picture when assessing an application for a loan. Even if you have bad credit, we have home loan solutions that take credit blemishes into account.

    We know that life can have its ups and downs, but your dreams of homeownership shouldn’t have to suffer. Speaking to your broker and being upfront about any credit issues can help put you on the path to home loan success.

  • A target market determination describes who a product may be suitable for, based on likely needs, objectives, and financial situation. It also outlines who can distribute our products, how they can do this, and examples of situations when we may need to review our products and the target market. To view the target market determination for this product, click here.

  • If you’re a borrower looking at low doc home loans with a low credit score, you should tell your broker. If you let them know, they can help you find free-thinking low doc mortgage lenders such as Liberty, that will listen to your full story and consider your application even with a low credit score. If you know you have bad credit, talk to a Liberty Adviser or broker today to discuss your options. If you are unsure of your credit history, get in contact with a credit reporting agency like Experian for a free copy of your credit report.

  • At Liberty, we offer low doc home loans across Australia. Whether you live in Sydney, Perth, Melbourne, Brisbane, Adelaide, Canberra, Hobart, or in a regional area – there is a Liberty Adviser nearby to help. Low doc home loans are a great option for borrowers who may not have the traditional financial documents required to apply for a home loan. See if this option may be right for you by chatting with a Liberty Adviser.

  • On your lending journey you may have come across the terms ‘lo doc’ and ‘low doc’ when referring to home loans. There is actually no difference between these terms, the spelling simply varies based on the lender. Short for low documentation, a lo doc or low doc loan uses different forms of income verification to assess your financial position, rather than relying on traditional income documents such as tax returns.


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Things you should know:

#Higher interest rates may apply. The actual interest rate applicable will depend on our assessment criteria and the loan to value ratio. Please call 13 11 33 or speak to your local Liberty Adviser for more details.

*Comparison rates are based on a secured $150,000 loan over a 25-year term. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

**Subject to LVR restrictions.

***Interest Only loans are subject to LVR restrictions and interest rates are higher than advertised interest rate. For further information on this product contact us on 13 11 33.

****$0 for loans with ≤ 4 splits. Additional fee of $495 applies for loans with > 4 splits.

##Any available redraw funds held in the offset facility connected with your loan account will be used to reduce the amount of interest you pay on your loan. Liberty is not a bank. The offset facility on your loan account is not covered by any Government guarantee. International transaction fees apply on purchases or cash advances while overseas or in Australia when the merchant processing the transaction is located overseas. ATM fees apply for a cash withdrawal at a non major bank ATM or rediATM in Australia.

^Other fees and charges may apply. Contact us on 13 11 33 for more information on fees and charges.

^^Valuation fee not applicable for loans under 90% LVR. Additional valuation expenses may be payable where the anticipated security property value is >1.5m, where the security property is in a regional location or for additional securities.

+++Subject to LVR restrictions. Not all features listed may be available. Additional fees and charges may apply.