Low Doc Construction

Low Doc Home Loans for Construction to 65% of TDC (total development costs). Generally due to the higher risk factor on construction loans, many lenders do not offer low doc loans on this security.

Our Funders will require either an Accountants verification,  6 months BAS statements or 6 months of Business bank statements to lend to 65% lvr in high population areas inside major capital cities and regional locations with a standard residential zoning.

To apply for a Construction Loan you will require:

  1. Full copy Council approved Plans & Specifications
  2. Fixed price contract from Licensed Builder
  3. Full project feasibility including works timetable, cash flow projections and funding table

Each loan has to be treated as an individual basis so it is important to deal with a broker that has several options and is experienced in this category of lending.


  • No tax returns or assessment notices.
  • No financial statements.
  • Income Verification is required by either Self Certification or Accountant Verification, BAS Statements or Business Bank Statements or a combination of above.


  • Generally a higher interest rate if loan is above 60% of the property value (LVR)
  • High Deposit Required

The matrix below gives you an overview of product perimeters however it is best to phone or apply online so we can analyse your unique circumstance.

Applicant type Companies, Discretionary & Unit Trusts and Property Holding or Trading Companies.
Employment requirements Self employed – must be ABN registered. Must be GST registered if Income is over $75,000
PAYG Co-Applicants allowed (must provide full income proof).
Income: required proofs Case by Case depending on lender.
Either Self Certification with Accountant Verification or BAS Statements or 6 months of Business Bank Statements or a combination of above.
Loan amount $500,000 > $10,000,000
Purpose Residential Construction / Development
Security type Most metropolitan and major regional centres (post code specific – please ring or email to check).
General acceptable Security includes:
Zoning of a Residential nature that permits residential usage House or Unit.
Residences with up to 2 dwellings on the one Title (eg: Duplex).
For exceptions to above please ring or email as there could be lenders available
LVR Low Doc – up to 65% TDC on construction.
Credit related Issues Paid or unpaid defaults registered over 24 months and judgements accepted. Minor Defaults up to $1,000 ignored.Can be discharged Bankrupts
Where the reason is Impaired Credit‚ a detailed account of how and when the impairments occurred; as well as an explanation on how and why the event is no longer an ongoing concern with little likelihood of re-occurrence.
Variable, fixed or both Both
P&I, I/O, or both Both
Loan Term 1 to 3 years



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