Self employed home loans

Are you a small business owner? Lack proof of income? Is a low doc home loan for you? Let Savvy do the work for you

Low doc home loans

At Savvy we can help you and your family have the security of owning your own home if you are self employed or a small business owner.

When you are self employed, there is a lot to consider and it can be difficult to get approval for a traditional home loan.

When there is a lack of paperwork and fluctuating cash-flow it can be hard to verify your income. A low doc home loan may be the right choice for you. Application is a faster process and requires less paperwork than a regular home loan.

At Savvy we can offer you free expert advice and help you through the process of applying for a low document loan which is specifically designed for the self employed or small business owner.

We're on your side

Many lenders offer loans with varying features such as a line of credit and fixed or variable rates. Savvy's experienced consultants can find the right loan for you. Generally you are required to self-certify your income with a simple form and show a clear credit history.

You may not be able to borrow as much and the interest rate can be higher than with a regular home loan, however once you can verify your income, you may be able to switch to a regular home loan with a lower rate of interest.

Just contact us and take the first step of owning your own home.

Calculate and save by comparing car loans

Thinking of buying your dream car? Savvy offers a complete range of car loan options to suit all needs.
Compare and save with Savvy. Savvy has access to all major banks and lenders in the country. We hold accreditation with all the major lenders in the country and have experienced consultants to tackle any requirement.

LenderProduct NameAdvertised RateComparison RateMonthly Repayment
SavvyVariable Rate Home Loan6.91%
fixed
7.04%$4,939.69
ANZStandard Variable Home Loan4.35 - 4.50%
variable
4.74 - 4.89%$4,643.72
WestpacRocket Repay Home Loan4.69%
variable
5.09%$4,682.38
CBAStandard Variable Rate5.22%
variable
5.37%$4,743.05
RAMSSelf-Employed Home Loan5.55%
variable
5.84%$4,781.06
Bank of QueenslandLow Doc Home Loan6.86%
variable
7.05%$4,933.80

* The interest rate of 6.91% p.a. with a comparison rate of 7.04% p.a. is based on a loan amount of $150,000 and a term of 25 years. The comparison rate, monthly repayment and total cost applies only to the example given and may not include all fees and charges. Costs such as broker fees, redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. Different terms, fees or other loan amounts may result in a different comparison rate. Establishment fees and monthly fees apply only to consumer loans. Commercial use loans may attract different fees.

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Why choose Savvy?

We are accredited with most reputable lenders in Australia giving you a fair choice to compare

We serve your interests
If you’re self-employed and anxious you can’t get a home loan, you aren’t alone. Our financial professionals are here to help you through the process to ensure you’re approved.
Low doc without drawbacks
Get a low doc home loan with all the features and benefits of a traditional standard home loan. Lines of credit, equity and redraw facilities may be available to approved customers.
Competitive home loan rates
We scour low doc home loans from over 25 lenders all clamouring for your business. Savvy puts pressure on lenders to take the pressure off you!
Refinance with ease
If you’re self-employed and looking to refinance an existing loan or plan a refinancing option at a more competitive rate in the future, we make it happen.
Simple application process
We make it simple for self-employed home loan applications with flexible loan terms and choice of lenders.
Borrow up to 80%
If you'll think it'll take forever to save for a deposit, think again. We can find loans with 80% loan to value ratio (LVR) for approved applicants.