At Finance 4 we understand that being your own boss means your time is at a premium and having up-to-date financials is a constant struggle. Not to mention how cash flow can often be unpredictable. So we've simplified the home loan application process for you. Our special range of low doc home loans mean you can still enjoy a great interest rate without endless paperwork. Quite simply, we don't believe you should pay a higher rate, just because you're self-employed and can't provide full financials!

Low Doc (Low Documentation)

Low Doc loans allow you to provide a signed certificate stating your income instead of providing full financials with your application. Consequently, the interest rate can be quite a bit higher than most other home loans. Low Doc loans tend to be used by small business owners or the self-employed.

At Finance 4, we don’t believe you should have to pay a higher interest rate for being self-employed. We understand that being your own boss means your time is at a premium and you may not have up-to-date financials to prove your income and cash flow. With Low Doc loans you’ll enjoy a low rate, low paperwork and a speedier application process. Easy!

Interest Only  

When you take out a home loan you can choose to repay either the Principal and Interest (commonly known as P&I), or for up to five years pay the Interest Only (IO).

Lenders offer upto a 10 year interest only option. A very attractive offering if you’re investing in property and wanting to negative gear (we recommend you talk with your accountant before deciding on this option). It also appeals if you need to keep repayments low in the early years.

Fixed Rate  

A fixed rate home loan is when you agree to pay an interest rate for a set period of time. The rate will not alter during that time, regardless of interest rate changes in the financial markets.

If you’re keen to know exactly what your minimum repayments will be for a fixed period of time, you’ll be pleased to know that there are home loans for 1, 2, 3, 5, 7 & 10 year fixed rate options. So if you’d prefer a safeguard during fluctuating markets, we recommend you call us to discuss the options.