Low Doc Home Loan will appeal to customers who

• are self-employed,

• experience uneven cash flows,

• have difficulty in separating their personal and business cash flows,

• do not have up to date financial statements.

Note : While income is not verified, customers need to meet all other aspects of serviceability policy plus specific low doc serviceability requirements.

     Benefits:

• The Low Doc Home Loan has been specifically designed for borrowers who would not normally comply with the Bank's standard income verification policy for other home loan products.

• The Low Doc Home Loan process does not require the applicant to provide documentation to verify their income.

• Borrowers must complete a self-assessment, of their own financial position, to consider their ability to repay the new loan without substantial hardship - An Affordability Self-Assessment form has been developed for this purpose. This Self-Assessment is in addition to the Bank completing its own assessment on the customer's capacity to repay.

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