Low Doc Loan

Sometimes it can be difficult to get a home loan if you are self employed. To help out, we offer a Low Doc Home Loan to get you into your new home without having to complete lots of paperwork to get your loan approved.

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To qualify for a Low Doc loan you will need an Affordability Declaration Statement that shows your income, 12 months of Business Activity Statements (BAS), and a valid Australian Business Number (ABN) that verifies at least two years of self-employment.

To apply for a loan or learn more, speak with your nearest Home Loan Adviser, have a chat with us on
13 11 82 or visit any branch.

More Information

Features & benefits:

  • Loan terms up to 30 years available.
  • Choose between standard variable or fixed rates.
  • If you select the standard variable rate you can link an Offset facility to your loan which can help to reduce the interest payable and time taken to pay off your loan.
  • Make unlimited extra repayments without any penalty fees (or up to $10,000 a year if you choose a fixed rate).
  • If you select the standard variable rate you can have the flexibility to take out any extra payments you have made if you need the money back again.1
  • Personalise your repayments to suit your budget - weekly, fortnightly or monthly.
  • If you are purchasing a new home you can have up to 90 days of free pre-settlement insurance if you take out home & contents insurance through us.
  • Fast approval to get you into your new home sooner.

Other options:

  • Make interest only repayments.
  • Want the best of both worlds? Combine your loan so part of it is fixed and part of it is variable.
  • Available for construction and bridging purposes.2
  • Lock in a quoted fixed rate between your application date and settlement.3

View our interest rates.

View our fees, charges and disclosure documents.

Copyright © 2020 People's Choice Credit Union, a trading name of Australian Central Credit Union Ltd
ABN 11 087 651 125    Australian Financial Services Licence (244310) and Australian Credit Licence (244310)    BSB 805-050