Low Doc Residential Loans
For self-employed borrowers, complex income structures, returning expats, and situations where two years of clean tax returns simply aren't available. Vía Private assesses residential mortgage applications on the strength of the security and the overall borrower profile - not a bank's documentation checklist.
Product Parameters
All parameters shown are indicative and based on standard scenarios. We may work outside these parameters depending on the strength of the deal. Contact us to discuss your specific scenario.
How it works
Broker submits scenario
Submit the deal - security address, estimated value, loan amount, and a description of why standard bank documentation isn't available. No thick application pack needed at this stage.
Vía Private assesses on merits
We look at the security value, the borrower's financial position (using available evidence), and the exit strategy. We don't apply a bank's documentation matrix - we form a view on the deal using whatever evidence exists.
Settlement via standard conveyancing
Once terms are agreed, the process runs through standard mortgage documentation and conveyancing. For residential loans, we target settlement within 10-15 business days of a complete application.
Is this the right product for your client?
This suits:
- •Self-employed borrowers who cannot produce two years of tax returns showing consistent income
- •Recently returned Australian expats re-establishing local financial records
- •Borrowers with complex trust or business structures where income attribution is genuinely difficult to document
- •Situations where a recent credit event (default, court judgment) means the bank won't lend but the borrower has genuine capacity
- •Borrowers in industries with variable income - construction, hospitality, professional services, creative industries
- •Auction purchase: client wins at auction with a 10% deposit, bank cannot settle in 42 days - Vía Private provides a 6-12 month first mortgage to settle, with exit via bank refinance
- •ATO / tax debt: ATO debt is preventing a bank refinance - Vía Private provides a first mortgage to clear the debt and create a runway for bank refinance
- •Probate and estate settlement: beneficiary needs to buy out siblings from an inherited property and needs interim first mortgage finance
- •SMSF lending: trustee acquiring a residential investment property via a bare trust or LRBA structure
- •Downsizer or sea-changer: client is selling in Sydney and buying regionally, needs to settle the purchase before the sale completes
- •Credit impairment: historic default or Part IX that is resolved but still on the credit file - banks won't lend for 2+ years, Vía Private provides a first mortgage while the file clears
- •Foreign income earner: Australian citizen or permanent resident with predominantly offshore income - banks have pulled back, Vía Private assesses on a security-first basis
- •Debt restructure and consolidation: client has multiple debts and needs a single facility to clear the decks and refinance back to a bank within 6-12 months
Frequently Asked Questions
Are low doc residential loans regulated under the National Credit Act?
What documentation do you accept in place of tax returns?
What does your LVR limit mean for a typical low doc deal?
Will credit impairment automatically disqualify my client?
Can SMSFs borrow?
Got a deal that needs a private lender?
Submit your scenario and we'll come back with an indicative position - loan amount, LVR, term - within 24 business hours. If it doesn't fit, we'll tell you that too.
Submit a Low Doc Deal