Low doc refinance

low doc refinance is a home loan or investment loan offer for self-employed applicants who have their ABN registered for minimum of 6 months and may have bad credit history. The finance group have achieved 99% approval rate for any type of mortgages from our record of 7 years. We give our client access to all Banks and 10 private lenders and approximate 20 mortgage funds available on the market. Self- employed applicants who does not have financials to proof their income can take low doc refinance option to minimize paperwork and declare their income. We also offer true low doc refinance also popular as No Doc home loan only with accountant letter. We accept any degree of credit impairments assessed case by case basis. We offer low doc refinance for any worthwhile purpose like purchase, construction, refinance, debt consolidation, unlimited cash out, solely predominantly for business purpose, pay off tax debts defaults and bankruptcy etc. We also give tailored solutions for client who have bad credit history but prefer to have low doc refinance loan through major banks. We can arrange up to 60% LVR low doc refinance without any proof of income through bank loans. Please find low doc refinance offers and range of interest rates on this page.

We are offering free assessment for your loan subject to clients commitment to us. We also offer low doc refinance through major banks.

Please apply online for free assessment or contact us direct to have conversation with our Senior Mortgage adviser Jason Baker (0407 900 113).

Our Specialties are: (low doc refinance)

  1. Perform an in depth analysis of the applicant on the first contact and give them instant indication about possible loan options.
  2. Provide a written indicative offer within 24 hours after receiving complete documentations from the client.
  3. Explain the lending process upfront to minimize confusions.
  4. Prioritize the best interest of the client and safeguard a risk free approval of loan with complete responsibility.

Click here to know LMI requirements if you are looking for low doc refinance through bank loans over 60%-70% LVR. We also have non LMI offers up to 90% LVR low doc refinance loans subject to risk fee.

low doc refinance:

  • Applicants are self-employed minimum of 6 months to 12 months and over,
  • Borrower could be a company or trust.
  • Self-employed clients who does not have their financials ( Profit loss, Balance sheet, Cash flow and tax returns) up to date to apply for a full doc home loan,
  • Self-employed clients with up to date financials can not proof sufficient income to service the new loan,
  • Self-employed clients prefer to minimize paper works and declare their yearly income supported by accountant declaration,
  • Self- employed applicant like to get unlimited cash out from property for business or consuming purpose.

are suitable to apply for low doc refinance application. Please submit an online inquiry to get a free quote for low doc refinance application.

low doc refinance Bad credit:

  • Self-employed home loan for clients who like to apply low doc basis-
  • Like to purchase or construct a property with bad credit history,
  • Have arrears on existing mortgage, secured, unsecured loans and like to refinance the property, ( we accept unlimited arrears case by case basis)
  • Have multiple paid and unpaid defaults, ( we accept unlimited defaults with infinite amount case by case basis)
  • Have current or previous bankruptcy or Part 9 issues, ( we accept refinance to pay off bankruptcy also 1 day discharged from bankruptcy for all low doc refinance bad credit application)

above scenarios are suitable for low doc refinance bad credit application. Please submit an online inquiry to get a quote for low doc refinance bad credit application.

Low Doc Refinance (Clean Credit) Deals:

All low doc refinance rates are subject to changed by lender. To know the current rates for low doc refinance please contact us direct

LVR

3 y Fixed rate

Variable rate

Maximum Discount on Package

Lowest rate

(variable)

Annual fee & Application Fee

Typical requirements

<=60%

5.29

(pac)

6.15

0.7%(Ver)

0.15%(Fixed)

5.45

$375

Low Doc To Low Doc refinance available.1 year ABN & GST, 1 year BAS, 6month statements. Offset available on fixed rate.

80%

5.44

6.15

n/a

5.69 no fee Variable

$8/m

$600

1 year ABN & GST, 1 year BAS, 6month statements. Offset available on fixed rate.

80%

5.44

6.64

0.6-250k+

0.7-$500k+

6.31

$395

$750

2 year ABN 1 year GST.12 month BAS, LOC available. Low DOC to LOW DOC refinance available.

<=70%

NO LMI

n/a

7.16

n/a

6.91 with LMI

n/a

$795

Low Doc to Low Doc refinance allowed, NO LMI, 2 year ABN, No BAS, no bank statements, No construction, No Land, No Cash out, Purchase refinance consolidation.

80%

5.28

6.64

n/a

6.30 no offset

n/a

$600

1 year ABN & GST (70%LVR), 2 years ABN & GST >70% LVR, 12 month BAS & 6 months bank statements, 75% LOC available, Cash-out (lesser of 10% of loan amount or $50k), No gifted equity, no construction, no debt consolidation, no rural security.

80%

5.09

(pac)

6.51

0.7 (ver)

0.2 (fixed)

5.81

$395

$600

$355(pac)

Discount on LOC, 2 year ABN 12 month BAS.

Contact your Mortgage broker for assistance about selecting suitable Low Doc refinance products for you.

All low doc refinance rates are subject to changed by lender. To know the current rates for low doc refinance please contact us direct

Low Doc Refinance (Bad Credit) Deals:

LVR

Interest rate

Risk Fee

Critical issue for impairment, purpose and documents

60%

70%

80%

7.14-8.34

7.19-8.54

7.24-8.74

1.5%-2%

12 month ABN, GST if income more than $75k a year, Accountant letter only. Evidence required for cash out more than $100k, Business purpose allowed. 1 day Discharge bankruptcy.

70%

80%

7.49-10.59

7.49-11.99

7.49-11.29

1.25%-1.5%

2 years ABN must, <70% LVR 3 month bank statement only, >70% LVR 6 months BAS plus 3 months bank statements. Credit impairment acceptance is higher @ low LVR loan. Once bankrupt is acceptable.

60%

70%

80%

8.55-9.35

8.75-9.55

8.95-9.75

Nil

6 month ABN no bas no LMI. Refinance with cash out involve extra rate load up to 70% LVR. Paid unpaid default accepted, bankrupt discharged minimum 6 months, no arrears in mortgage.

65%

70%

75%

80%

85%

90%

8.84-9.89

8.94-10.04

9.19-10.54

9.44-11.09

9.19-10.84

9.79 (lev-1)

0.85%-2.10%

6 month ABN, no BAS no LMI 3 moths business transaction and 1 month personal account. Accountant letter. Bankruptcy discharged minimum 12 months. Paid unpaid defaults mortgage arrears allowed.

Contact your Mortgage broker for assistance about selecting suitable Low Doc refinance products for you.

low doc refinance bad credit ( acceptable Purpose)

low doc refinance bad credit available for both consuming and business purposes. In a contrary loan is available for any legitimate purpose. Loan for illegal activity, gambling, unsolicited transaction are strongly unacceptable. Following purposes are mostly used for low doc refinance bad credit loans:

  • Low doc Refinance of existing mortgages to pay off arrears on existing loans, defaults, bankruptcy.
  • Low doc Refinance of existing mortgage for debt consolidation.
  • Purchase or construction of property using saved deposit and equity from other properties.
  • Unlimited amount of Equity release ( Cash out) for any worthwhile purpose for consuming ( renovations, motor vehicle purchase, holiday etc) and business ( working capital, equipment purchase, cash flow, pay off tax liability etc).

We strongly recommend please submit an online inquiry or contact us direct to have a pre-assessment for your loan requirements for low doc refinance.

Low doc refinance Clean Credit ( acceptable purpose)

  • Refinance low doc loans
  • Low doc refinance for Debt consolidation
  • Low doc refinance for Purchase or construction
  • Low doc refinance for Unlimited equity release for business purpose.

We compare best interest options for your low doc refinance according to your financial situation. Our confident is our 7 years success history of settling loans through major banks and all popular private lenders. You can make an educated decision from our comparative offers for low refinance loans.

Click here to know LMI requirements if you are looking for loan over 60%-70% LVR. We also have non LMI offers up to 90% LVR low doc refinance loan.

We strongly recommend please submit an online inquiry or contact us direct to have a pre-assessment for your loan requirements for low doc refinance.

Low Doc refinance: ( Documentation)

We have tailored solutions for all clients looking for low doc refinance.Clients choose to select low doc refinance to minimize paper works.

  • We can arrange the loan only supported by accountant letter.
  • We are doing low doc refinance with 12 months BAS's through Major bank.
  • Low doc to Low doc refinance also available
  • We can do full doc loans without notice of assessment for 2 years tax returns trough major banks.
  • We can also arrange full doc loans only with recent year tax return through major bank if your business registered for minimum of 2 years.
  • We can arrange 70% low doc loan without LMI supported by 12 months BAS's and profit loss @ full doc interest rate.
  • Low doc refinance available with 6 months ABN supported by accountant letter, 3 months trading account statements and 1 month personal account statements.
  • For low doc refinance 6 months worth of mortgage statements are mandatory for all mortgages being refinanced.
  • Client need to demonstrate servicing @ assessment rate of the lender supported by documents.

Whatsoever your loan requirements we are willing to advice you the possible options from our range of product options for low doc refinance. We will tailor the documentation process according to your present financial situation.

We strongly recommend please submit an online inquiry for low doc refinance loan for an obligation free assessment for your loan to find viable documentation option for your low doc refinance loan.

Low doc refinance ( Loan to value ratio LVR)

For low doc loans maximum LVR is 80% through major banks involving the cost for LMI. Maximum LVR of the loan largely depend on location of the property and degree of credit impairment. Client need to contact us to confirm their eligibility to maximum LVR low doc refinance.

  • Up to 70% LVR bank loans available without LMI
  • We can offer up to 90% low doc refinance through private lender when it is necessary for the client.
  • 80% low doc construction loan available only with accountant letter.
  • 85% loan available only with accountant letter.
  • Up to 85% refinance available with bad credit history.

We strongly recommend please submit an online inquiry or contact us direct to have a pre-assessment for your loan requirements for low doc refinance application.

Low doc refinance: ( Lending costs)

Lender mortgage insurance is a mandatory cost for low doc refinance through banks when LVR is exceeding 60%-70%. LMI rate is usually higher for low doc loans comparing to full doc home loans. As a result cost for low doc refinance is a comparable factor for clients when they consider various loan offers from different lenders.

  • For private lending risk fee involve to get a low doc refinance loan. Risk fee is determined depending on LVR of the loan and the degree of credit impairments for low doc refinance application.
  • Some lender offer flat application fee for any LVR or credit impairments.
  • Low doc refinance will involve mortgage registration fee, settlement fee, valuation fee etc.
  • For private lending you will have allow solicitor fee, title insurance fee, documentation fee involve at cost. Valuation fee is payable at cost upfront up on receiving conditional approval from the lender.
  • We allow up to $3000-$4000 other cost for low doc refinance excluding risk fee or LMI cost.

We strongly recommend please submit an online inquiry or contact us direct to have a pre-assessment for your loan requirements for low doc refinance.

Our Assessment Process : (low doc refinance)

We have simple 3 steps application process to offer you low doc refinance deals available for you. We expect client will be committed to us and our service to involve our valuable time to assess and process their application for low doc refinance.

Step 1: Initial interview or email conversation to commence fact find process and request all supporting documents for low doc refinance application. Make the client aware about initial indication for a successful loan application. Explain other risk factors upfront to the client about low doc refinance applicaiton.

Step 2: Complete full assessment, sign up client with credit contract within 24 hours from receiving all supporting documents and provide all paper works they need to sign.

Step 3: Submit application to the lender and keep contact with all parties to secure the approval and settlement of low doc refinance application.

We strongly recommend our clients that finding best low doc refinance deals can be a very easy process if you understand what you need to compare, how you will confirm your eligibility with the specific lender. We have been helping our clients to find best low doc refinance deals comparing all viable loan solutions for them. Best low doc refinance deals will be the deal that will give them benefit in the long term as well.

We strongly recommend please submit an online inquiry or contact us direct to have a pre-assessment for your loan requirements for low doc refinance.

Our track Records : ( low doc refinance)

The finance group has access to 34 different lenders, 10 private lenders and numerous mortgage funds to find best low doc refinance deals for the client. From our industry experience we have resolved significant problems of our clients using low doc refinance option. We offer low doc refinance for both consuming and business purposes. Unlimited amount of defaults or even part 9 debs can be paid off using low doc refinance options. Self-employed applicants can get easy access to their equity using low doc refinance option and use the fund for any worth while purpose. We offer range of interest rate for low doc refinance for clean credit and bad credit applicants. As a result clients are taking the advantage of our wide range of choices.

Starting up a new business, working capital for business, buy asset or property, buying equipments for business, paying off tax debts this are the common problems we have resolved for our clients using low doc refinance options. Clients also become default and debt free using low doc refinance option.

Our quick and efficient service can make the whole low doc refinance process stress free for you. The finance group believe in the philosophy to create long term relation with the client. As a result at every stage of low doc refinance application process we ensure all parties have relevant contacts to speed up the process.

Apply online or submit online query to get indicative low doc refinance Loan offers. Contact us to discuss your financial situation any time.

Click here to visit our specialized website for low doc home loans and bad credit home loans.

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