Need a Home or Car Loan But Don’t Tick All the Boxes?
What Are Low Doc and Alt Doc Loans?
Low Doc Loans = “Low Documentation.”
You don’t need to provide the usual mountain of payslips, tax returns, or notice of assessments. Instead, lenders will accept:
• BAS statements
• Bank statements
• Accountant declarations
• Profit & loss statements
• Alt Doc Loans = “Alternative Documentation.”
Similar to Low Doc, but lenders may ask for slightly more detailed docs (still way less than traditional loans).
These are designed for real humans, not robots.
How This Helps With Home Loans
If you’re self-employed and your income looks a bit messy on paper, a Low Doc or Alt Doc residential loan could be the difference between being stuck renting and owning your dream home.
✅ Buy your first home
✅ Refinance to unlock equity
✅ Invest in property
✅ Consolidate personal and business debt
Gold Coast Property Investors and Self-Employed Buyers – this is your green light to stop waiting and start buying.
What About Car Loans?
Running a business and need a new ute, van, or SUV? With a Low Doc or Alt Doc car loan, you can:
• Finance a vehicle without jumping through hoops
• Refinance balloon payments
• Get back to business with upgraded wheels
Whether you’re in Robina, Helensvale, Burleigh Heads, or Upper Coomera, Smartloans can hook you up with fast car finance—no nonsense, no judgment.
Who Are These Loans Perfect For?
• ABN holders trading 6+ months
• Small business owners
• Freelancers & consultants
• Doctors, tradies, hairdressers, allied health pros
• Anyone with solid income but not “conventional” docs
Real Talk: What Lenders Want to See
Lenders still want to know you can afford the loan. You’ll need:
• ABN registered (usually for 6–12 months minimum)
• Evidence of income (bank statements, BAS, etc.)
• Clean-ish credit file (not perfect—but manageable)
If you’re not sure what you qualify for, I’ll tell you straight up—no false hope, no pressure.
📍 Why Work With Smartloans (Gold Coast)
I’m a local broker who gets it—you’re time-poor, juggling a million things, and you just want a simple “yes” or “no” without being treated like a number.
✔ Local to the Gold Coast
✔ Quick turnarounds
✔ Straightforward advice
✔ Residential & car loans under one roof
✔ I deal with the lenders—you stay focused on life
If you’re not sure what you qualify for, I’ll tell you straight up—no false hope, no pressure.
📍 Gold Coast-based | Helping clients all over Australia
