Low-doc loans

Looking for a low doc home loan in Adelaide?

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Home loans without all the documentation

For home loan hunters who are self-employed, freelancers, contract workers or undertake seasonal work, you may not have all the documentation usually required for a mortgage. Liberty’s low doc loan combines our low rate and flexible features, with options for start-up or established businesses.

  • Loans up to 85% of property value

  • Irregular income acceptable

  • Alternative verification options

  • Owner-occupier and investor

  • Debt consolidation options

  • Cash out available

Our innovation and flexible solutions have helped over 850,000 free thinkers.

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
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Liberty low doc loan FAQs

  • Low doc loans are more flexible solutions for customers who might be self-employed, contractors or freelancers, and don’t have the standard PAYG payslips, financial statements or tax returns needed for a traditional loan application.

    These types of loans rely on self-verification of income, which may require a supporting letter from an accountant and your recent bank statements. You may also need to supply your last year’s Business Activity Statements (BAS).

  • Low doc 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.

    Your eligibility will be improved by good credit history, and the lender will want to know that you can afford repayments. Generally, low doc home loans often suit self-employed Australians, investors who rely on their investment income and contract workers.

  • 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.

  • Liberty has a range of home loans to suit your needs and help customers with irregular income types. At Liberty, we look at your whole story to understand the circumstance of your financial history.

  • If you have irregular income or are self-employed and need a home loan, contact an Adelaide Liberty Adviser today to discuss your options.


Discover the possibilities

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Discover how a low doc home loan could work for you

We know not everyone works the same nine-to-five, and if you’re a free-thinking entrepreneur, business owner or freelancer in Adelaide – it shouldn’t stop you from achieving your dreams.

The good news is that flexible lenders like Liberty work hard to understand your personal situation to help you secure the finance you need. Liberty offers options for alternative verification to help more people get financial with low doc loans in Adelaide.

Things you should know:

**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.