Low Doc Home Loan
Low Doc Home Loans are a flexible financing solution for the self-employed who have income and assets, but may not have the usual paperwork like financial statements or tax returns ready at the time of application.
Our Low Doc option means you don't have to provide standard income verification documents when applying for a loan. You just have to sign a Borrower's Income Declaration.
Features and benefits
* Requires mortgage insurance if amount borrowed is more than 60% of the valuation of the security property.
Interest rates
Loc Doc rates are available on the Today's rates page.
*At conclusion of fixed rate period, loan converts to Low Doc Standard Variable housing rate.
Fees and charges
*Fee savings:
You can nominate one of your Reverse Charges AccountsTM to be free of monthly maintenance fees.
+includes 40 free Bank of Queensland ATM withdrawals, cheques written and direct debit transactions per month. Additional transaction $0.60 each.
Additional information
1 Low Doc Standard Variable rate applies during construction. Interest rates quoted are indicative only, and are subject to change without notice. Fixed interest rates may vary between application and drawdown of the loan.
To apply for a home loan, complete the home loan application form (PDF 686kb) or non-personal lending application form (PDF 432kb), take it to one of our convenient locations and an appointment with one our lending staff will be arranged for you to discuss the various loans options available. Look at the information we need from you. Call us on 1300 55 72 72 with any queries.
Important information
Please view the terms and conditions listed below on the Terms and Conditions page:
- Personal Banking Guide to Fees and Charges
- Personal Lending Supplementary Terms and Conditions
Valuation fees are payable. Government fees and charges apply. Other fees and charges are payable. Normal credit assessment criteria apply. Full terms and conditions are available at
any branch of Bank of Queensland. Products issued by Bank of Queensland Limited ABN 32 009 656 740 AFSL 244616. This website contains general advice. This advice has been prepared without taking account of your objectives, financial situation or needs. You should consider the appropriateness of any advice before acting on it. You should obtain and consider the relevant Product Disclosure Statement (PDS), terms and conditions, Financial Services Guide and Guide to Fees and Charges for the product before making any decision about whether to acquire or continue to hold it. You can obtain a copy of those documents from any Bank of Queensland branch.