Low Doc Home Loan

Less paperwork and a simplified application process for those unable to provide documented proof of income

Having trouble getting a home loan due to fluctuating income? Then the Low Doc home loan is just right for you. This flexible solution offers a simple application process for those that have difficulty providing documentation about their income.

Particularly suited to the self-employed and others experiencing uneven cash flows
Simplified documentation - no tax returns, financial statements (last 12 months Business Activity Statements “BAS” are required)

Enquire now

A St.George lending expert will contact you at your preferred time.

Click here for more information on how to apply.

The loan

Interest type

Choose variable interest rate or fixed interest rate

Term

Up to 30 years

Can be used for building

Yes (on Variable Rate portion only)

Available for vacant land

Repayments

Frequency

Choose to repay weekly, monthly or fortnightly²

Additional payments

Make additional payments at any time on variable rate loans. Up to $10000 per year can be made on fixed rate loans³

Automatic repayments

Set up convenient automatic repayments from your nominated account

Interest-only option

Choose monthly interest-based repayments

Features and benefits

Advantage Package

Not available

Ability to increase loan amount

Applying for additional funds is simple²

Redraw facility

Get access to any extra payments you make with a convenient redraw facility (on variable rate portion only)⁴

Interest Offset facility

100% interest offset⁵ to help you save interest and own your home sooner (partial interest offset also available)

Family Pledge

Not available

Flexible Choice Home Loan

Enjoy the benefits of a fixed and a variable rate

Rate Lock

On fixed rate portion only

Deposit Protect Bond

Keep earning income on your deposit monies right up until settlement by using a Deposit Protect Bond instead of a cash deposit

Learn more about the Low Doc Home Loan

Call a home loan expert on 13 33 30 and say ‘New Mortgage’ when prompted, 8am - 9pm (AEST), 7 days a week.

Enquire now

A St.George lending expert will contact you at your preferred time.

Click here for more information on how to apply.

1. Subject to availability.
2. On loans with principal and interest repayments only., Not available on interest only repayment loans
3. Limit applies before break costs become payable on fixed rate loans
4. Subject to Bank approval. A fee applies for each approved request.
5. Variable rate loans only