Low Doc Investment Property Loans

Self-employed or without standard income documentation? Achieve your property investment goals with Yard’s Low Doc Investment Loan offering flexible financing solutions with streamlined documentation.

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If you don’t have the traditional documents needed for a bank loan, it can feel like expanding your investment property portfolio is out of reach.

If you're looking to expand your property portfolio but lack traditional financial documentation, Yard’s Low Doc Investment Property Loans offer a practical and flexible financing solution. These loans are specifically designed for investors who may not meet the standard documentation requirements of conventional investment loans, such as payslips or lodged tax returns.

Low Doc investment loans, also known as Alt Doc Investment Loans, are particularly beneficial for self-employed individuals, small business owners, and investors with complex financial situations. By providing a streamlined documentation process, these loans enable investors to verify their income through alternative methods.

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Why choose Yard for a low doc investment loan

Flexible income verification

Alternative income verification options through accountant declaration, BAS or bank statements.

Dedicated expert support

We are self-employed lending specialists - we'll get to know you and your business to find a solution for your situation.

Broad range of investment solutions

We can help you purchase, refinance, consolidate debts or release equity/get cash out from your investment property.

No credit scoring

We perform individual assessment on each application to consider your specific circumstances on a case-by-case basis.

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Our low doc investment loan features

Unlimited additional repayments

You can make free, unlimited additional repayments on our variable investment loan. This means you can pay off your loan faster and save on interest.

Optional 100% Offset Facility

Having an offset account linked to your investment loan allows your savings to lower the amount of interest you pay on your loan.

Unlimited free redraw

If you've made extra repayments onto your variable rate Yard Home Loan, you can redraw these for free through our online portal.

Split accounts

We offer variable, fixed and split home loans. You can also select different repayment options such as principal & interest or interest only.

How does a low doc investment loan work?

A low doc investment loan allows borrowers to verify their income using alternative documentation, such as:

Accountant’s letter

A formal declaration of your income, such as salary or company net profit, provided by a registered accountant.

Business Activity Statements

A summary of your business's financial performance, showing business turnover.

Bank statements

An overview of your business's income and expenses, demonstrating consistent income.

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Eligibility criteria for low doc investment loans

To qualify for a low doc investment loan with Yard, borrowers typically need to provide:

Completed loan application form: basic personal and financial information

Alternative income verification documents: such as BAS statements or an accountant’s letter

Proof of property rental income (rental statement) or rental appraisal

Details of assets and liabilities

Identification documents, e.g. driver’s license or passport

Household expenses: an estimate of your monthly living costs

Credit history report

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How to apply for a low doc investment loan

1
Start your application

Apply online with our easy online loan application. A dedicated Loan Consultant will give you a call to discuss your investment loan requirements and help find the best solution for you.

2
Provide your supporting documentation

We verify your information by receiving some supporting documentation, e.g. accountant letter, BAS or bank statements. We also perform a valuation on your property.

3
We assess your application

Our credit team reviews your information and makes an assessment on your application.

4
Your loan documents and settlement

Our solicitors send you the loan contract via email. When it is time for settlement, our solicitors will work with your solicitor (for a purchase) or current lender (for a refinance) to settle your investment loan!

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The important questions answered

What is a low doc investment loan?

A Low Doc Investment Loan is a type of mortgage designed for property investors who do not have traditional income documentation. Instead of standard documents like payslips, these loans accept alternative forms of income verification, such as BAS statements or an accountant's letter.

Who is eligible for a low doc investment loan?

Low doc investment loans are suitable for self-employed individuals, small business owners, freelancers, and those with non-traditional income streams who may not have access to full financial statements or conventional proof of income.

How can I apply for a low doc investment loan with Yard?

Applying for a low doc investment loan with Yard is simple. You can apply online, and our expert Loan Consultants will guide you through the documentation requirements and help tailor a loan solution that meets your investment goals.

Are the interest rates higher for low doc investment loans?

Typically, Low Doc Investment Loans may have higher interest rates compared to full doc loans. This is due to the reduced documentation provided, which presents a higher risk to lenders. Yard offers competitive rates and can help you explore the best loan options available.

What is the difference between a low doc and a regular home loan?

Regular or traditional home loans typically require you to submit recent payslips and tax returns to verify your income. This can be a hurdle for self-employed individuals or those with irregular income, or complex finances. Non-bank lenders like Yard take a more flexible approach to income verification when you apply for a low doc loan. While traditional income verification is not required, you'll need to provide documents like accountant's letters, BAS statements, or bank statements. These documents help us assess your financial health and ability to repay the loan.

Can I switch from a low doc investment loan to a full doc loan later on?

Yes, borrowers can transition from a low doc loan to a full doc loan once they are able to present lodged tax returns or payslips. This switch can typically provide access to lower interest rates.

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New loan inquiries: hello@yard.com.au

Service requests: help@yard.com.au

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Yard Financial Pty Ltd | ACN 623 357 513 | Australian Credit Licence 509481. Yard Home Loans Pty Ltd | ACN 634 101 901 | Credit Representative Number 517113 and Yard Broker Pty Ltd | ACN 660 832 324 | Credit Representative Number 541605 for Yard Financial Pty Ltd ACN 623 357 513 Australian Credit Licence 509481.

Interest rates apply to new loan applications on or after 7 March 2025. The interest rates are subject to change at any time. Terms, conditions and eligibility criteria apply to all our loan products and features. Fees, charges and disbursements are payable. Final approval is subject to credit assessment. Target Market Determination for this product is available.

The comparison rate is based on a loan amount of $150,000, over a 25-year term. For variable interest only loans, comparison rates are based on an initial 5-year interest only period. During an interest only period, your interest only repayments will not reduce your loan balance. This may mean you pay more interest over the life of the loan.

WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as 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. Terms, conditions, fees and charges apply, and your full financial situation would need to be reviewed prior to acceptance of any Yard offer or product.

Yard Asset Management Pty Ltd ACN 678 090 723 (Yard Asset) is a corporate authorised representative (CAR) (CAR Number 1311859) of Yard Financial Pty Ltd ACN 623 357 513 AFSL 509481.

Any information or advice is general advice only and has been prepared by Yard Asset for individuals identified as wholesale investors for the purposes of providing a financial product or financial service, under Section 761G or Section 761GA of the Corporations Act 2001 (Cth). Any information or advice given does not take into account your particular objectives, financial situation or needs and before acting on the advice, you should consider the appropriateness of the advice, having regard to your objectives, financial situation and needs. If any advice relates to the acquisition, or possible acquisition, of a particular financial product you should read any relevant Product Disclosure Statement or like instrument.

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