Low Doc & Self-Employed Home Loans

Need help choosing the right home loan?

Low Doc & Self-Employed Home Loans

The Pioneer Credit Connect team draws upon specialty finance and lending experience so that self-employed Australian's and small business owners put the right foot forward with these more complex home loan applications.

You've worked hard to start and build a sustainable business for 2 or more years, and now you would like to buy your dream home. Owning your own business should be an advantage when applying for credit, though we understand that it can be hard to secure funding from traditional banks. To help our self-employed and small business customers achieve their financial goals, we have engaged with over 35 lenders to come up with the most competitive solution.

What is a Low Doc Home Loan or Self-Employed Home Loan?

Securing a home loan generally requires that the security of your employment and ongoing salary can sustain the minimum repayments of a bank loan. For self-employed applicants, however, traditional banks will focus on the years of operation and financial history to assess whether you can service the full term of the loan. A self-employed home loan takes into account the history of your business, your income from your last job, and more to evaluate your application. The nature of a self-employed home loan requires attention to detail in order to build a strong home loan application.

Often, self-employed people and small business owners only have a small amount of documentation to support a home loan application. So like the name suggests, this is where a low doc home loan comes into play. To increase the chances of securing a home loan, low doc applicants, like self-employed applicants, will benefit from access to a panel of lenders to secure the right loan for them.



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Why is a Low Doc or Self-Employed Home Loan right for you?

A low doc or self-employed home loan may be right for you if the business you own has only been operating for a couple of years causing you to have limited documentation. We cater to not only business owners but also anyone who has found themselves in a situation where they only have little documentation available.

So that you don’t miss out on purchasing your dream home, this solution can help you avoid rejection from lenders who require years of documentation. We’re here to help.

At Pioneer Credit Connect, it’s all about the customer. We have built relationships with over 35 lenders so that we can negotiate you the best deal for your specific situation. When we get to know you, we consider tax deductions that you might be missing out on so we can improve the strength of your application.

Benefits of a Low Doc & Self-Employed Home Loan:

  • With Pioneer, you can avoid the mistakes that banks make with more complex loans
  • Take advantage of your business’s success
  • Factor in the benefits of tax deductions to improve your application
    • Leverage our national panel of lenders
    • Apply with lenders that don't require 2+ years of operation
    • Secure a loan with less documentation

    Apply for the Low Doc or Self-Employed home loan that's right for you!

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    See what our customers have to say!


    • customer experienceJohn R, VIC
      I'd like to thank you for all the help you've given me. I know that I made it difficult for you at times but you handled it all very professionally. It was very helpful that you were so knowledgeable about every aspect of this process, including all the legal procedures.
    • customer experienceThe Conway Family, WA
      We would love to say a massive thank you for all the help and support you have provided in the purchasing of our lovely home. Buying a house is apparently one of the most stressful things you can do in a lifetime; well not in this lifetime thanks to you! We can honestly say that there was not one minute of stress and your efficiency, expertise and advice were second to none.

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