Alt Doc/Low Doc Products

Loan products for borrowers with non-standard financial circumstances including self-employed, variable income and small business owners

Abacus Home Loans was founded in 2008 as part of the Abacus Group.

As a mortgage manager, we offer a powerful alternative to traditional bank funding. Our market-leading products and interest rates, combined with our commitment to speed and reliability, ensure that our clients receive the best possible outcomes. We can assist you with your Australian property purchase, whether you’re a first home buyer, or seasoned investor.

Our feature packed lending solutions can help you with your home purchase or investment goals.

ProductInterest RateProduct Spec.Eligibility 
Basic Lite DocFrom 7.29% (CPR 7.72%)
Loan Amount Up to $2Mil LVR Up to 80%

• 2 payslips only for PAYG

• Minimum 6 months in current job

• Second job salary 100% for servicing

• Minimum 6 months for PAYG in family business
acceptable
• 2 year financial statements only for self-employed
• Latest year income for servicing assessment

• Properties below 40 sqm are considered

• NRAS & NDIS housing acceptable

• Display House with leaseback arrangement acceptable

• Risk fee can be wavied with extra interest loading

Basic Low DocFrom 7.29% (CPR 7.70%)
Loan Amount Up to $1.2Mil LVR Up to 80%

•Accountants declaration only
• NRAS & NDIS housing acceptable
• Display House with leaseback arrangement
acceptable
• Offset available 

Smart Alt DocFrom 7.29% (CPR 7.71%)
Loan Amount Up to $1.5Mil
LVR Up to 80%

• 12-month ABN considered if evidence provided in the same industry
• Choice of single or dual form
income verification
• Actual repayment of OFI debts

• Common debt reducer

• Negative Credit Report