Low Doc Home Loans with Fast Approval

Whether you're looking to refinance, renovate, or invest, we offer a diverse range of low doc home loans. Even if you've been turned down elsewhere or have bad credit, we could help.

Why Choose Us For Home Loans

Australian Home Loan Specialists

Find the best home loan rates for first-time buyers, self-employed people, investors, and those wanting to refinance their mortgage.

We never check your credit score, and you can apply with confidence thanks to our low-doc application process.

Apply in less than 5 minutes:

Australian Home Loan Specialists

Get a Same-Day Home Loan in Australia

Apply within 5 minutes by clicking “Start Your Application” below and completing the online application form. It’s fast & simple.

We provide a wide range of home loan solutions, including Bad Credit Home Loans, Refinance and Low Doc Loans. All of our loans involve absolutely NO credit check.

We require minimal documentation, making the whole process super speedy. If you qualify, you can expect a same-day approval!

Our excellent reviews say it all

June 4, 2024
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Keanue was very helpful and informative!
May 24, 2024
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Great customer service, super informative and every helpful.

May 16, 2024
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Grady was amazing! So thoughtful and understanding with not a single hint of judgement in his voice. I felt safe to express my emotions and like I was finally going to receive the assistance I need to get back on track. THANK YOU!

April 29, 2024
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Chloe was so helpful, patient and knowledgeable. She was so good in explaining everything in a clear manner, and was friendly and provided me the information needed.

April 17, 2024
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Keanu was friendly, patient and explained everything perfectly and gave me the assurance and guidance that I needed. He was a delight to speak to and he helped make a awkward, embarrassing conversation..easy and pleasant
Thank you Keaunu

March 25, 2024
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Keanue was an absolute delight to deal with! I got everything laid out in simple terms and was able to understand a very typical hard finance conversation so easily. He was incredible empathetic and fantastic to talk about my financial situation with. Would highly recommend!

March 24, 2024
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Fantastic very good lovely person to talk to Chloe..
March 22, 2024
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I was able to get the support and help i needed with Pats Guidance. He didn’t judge me and gave me assurance that everything will be okay. Thankyou Pat for your exceptional service.

March 14, 2024
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Pat was very understanding and helpful! He was non judgmental and helped me find the best possible solution for my debt issues.

February 29, 2024
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Keanue was so great to talk to and nothing but helpful. I’ve struggled trying to get financial help because I was nervous and didn’t want to be judged. Keanue was so understanding, judgement free and wanted nothing more than to help me however he could.

February 22, 2024
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Thank you soo much for all your kind help Chloe! You have been amazing to deal with and have simplified the whole process for me. Fabulous customer service 😃

February 22, 2024
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Great assistance & very professional

February 20, 2024
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Pat was so caring and empathic and gave me clear guidance on my best options!

February 19, 2024
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Pat was very helpful and easy to converse with. Thanks Pat!

February 17, 2024
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Chloe has been amazing very efficient and lovely to deal with. Thank you so much
February 16, 2024
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Pat was absolutely amazing ! Such an incredible help he has shown !

February 15, 2024
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This morning Pat contacted me to discuss my debts, he was extremely understanding and willing to find a solution to help me in many ways to have a stress free option to consolidate my debts. Pat valued my time and allowed me to be vulnerable and express my financial hardship. Thank you for all your help Pat!

February 14, 2024
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Very helpful took so much stress off my shoulders, didn’t think I’d be able to get out of the situation I was in. Great service

February 9, 2024
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Chloe was super friendly and helpful

February 8, 2024
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I dealt with Pat,
He was very professional and so nice to deal with. He explained everything so well and was amazing. Thanks again Pat

January 30, 2024
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Pat was fantastic, non-judgmental, answered all my questions clearly. He was friendly and warm, I could tell he actually cares about the people he is doing his best to help. 10 stars for Pat!!!

January 29, 2024
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Nothing less I would say about the customer service. The guy named PAT was really helpful and accommodating. He is really informative and would help you go through the process with transparency. Great experience and really a wonderful guy.

January 25, 2024
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He was very helpful and understand too notch employee

January 18, 2024
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Pat was super helpful, non judgemental, accomodating and compassionate. The exact ingredients of support I needed during this extremely difficult time for me. I am truly grateful to him beyond words.

January 17, 2024
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Chloe explained everything in detail, professional, compassionate and easy to talk to. She made me feel like a person, positive about everything. She is a great asset to the company.

January 16, 2024
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Chloe was absolutely amazing and super friendly!! Thank you!

January 15, 2024
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Chloe was very friendly, considerate and understanding. She was also extremely professional and handled my case with great efficiency.

December 20, 2023
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Was great to talk to would do it again if I had to

December 20, 2023
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Chloe was amazing! Transparent and honest and made me feel really comfortable through the whole process. For the first time in a long time I don’t feel so helpless.
Thank you again Chloe for your understanding and support!

December 18, 2023
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Chloe was fantastic to deal with, very professional!!

December 13, 2023
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Chloe was great! Great service and very friendly. Glad to find a solution

December 13, 2023
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Chloe was amazing to speak with. So kind and very helpful.

December 7, 2023
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A big thank you to Emma Jabbour 🙂 for exceptional customer service. Emma wanted to help me get a successful outcome to my enquiry. I look forward to doing business with Emma in the not too distant future. Many thanks, Daniela Marks

December 7, 2023
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Chloe was brilliant and super helpful

December 6, 2023
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Chloe was so supportive and understanding and didn’t make me feel stupid for my situation.

December 4, 2023
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Margarita was a pleasure to speak with, she made the process very easy and advised me everything I need to know and do. Very exceptional customer service 🙂

December 4, 2023
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Margarita was a pleasure to speak with, she made the process very easy and advised me everything I need to know and do. Very exceptional customer service 🙂

November 29, 2023
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Pat was very easy to talk too. I not big on taking on the phone, but pat made it easy experience. The way he explained everything for me made it easier for me to understand all the information he was giving me.
Thanks Pat.

November 28, 2023
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Pat was great, knew what he was talking about, very friendly. Couldn’t say a bad word about him.

November 28, 2023
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Was able to calm me down and feel less embarrassed about my debt.
Very helpful and well spoken, explained everything in detail to me, would highly recommend

November 27, 2023
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Isabel is a superstar. Very helpful, kind, understanding, empathetic and has that calm soothing voice. If anyone’s freaking out about their debts, Isabel will put you at ease.

She must have read the book ” Never Split the difference ” It’s a good book for persuasion. haha!

“Hakuna Matata – it means no worries for the rest of your debts”

Why stress, when Australian Lending Centre can take care of your stress for you? You’re not alone.

Talk to one of their consultants today.

November 27, 2023
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Would recommend. Excellent customer service. Willing to help anyone !!

November 24, 2023
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This year was really hard for me financially as a temporary resident. Living paycheck to paycheck due to being stuck in the payday loan cycle. I saw no way out and was in a perpetual state of pain. Pat was extremely compassionate and understanding, although theres not that can be done in my visa status, Pat went above and beyond to find a solution. I really want to thank Pat for bringing back a smile on my face by shedding light on my situation. Give that man a raise!

November 23, 2023
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Pat was very help full very go at helping ne each step very easy to talk to he dose a great job

November 23, 2023
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First time ever hearing or dealing with Australian Lending Centre and I can say, they’re probably the best staff I’ve ever had the pleasure of speaking with, especially my consultant Pat. He wasn’t just friendly but patient, understanding and very honest and that helped me a lot. Not sugar coating anything but allowing me to be honest and he was also honest with his responses clarifying reasons why and also honest with the outcome that was available to me. I initially wanted to get a consolidation debt loan but wasn’t able to due to the criteria of the lenders that I wasn’t eligible for however he offered me another solution that might be available to me, and this really made me happy. That there isn’t just one solution and that I wasn’t going to be turned away just like I had been by various lenders. I am very happy with Pat’s customer service, he was genuine and didn’t judge me with my credit history or circumstances which people in the financial industry do do sometimes but he didn’t. That means a lot.

November 22, 2023
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It was very easy and I felt relieved that I was able to talk to Margarita who understood exactly what I was g gong through. I was very happy and had exceptional service.

November 22, 2023
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Very informative and supportive, very easy and polite to talk to 🙂

November 20, 2023
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I was able to talk and share my struggles without being judged, very understanding and sympathetic towards my situation and wanted nothing more than to help me through this and see me succeed. Would highly recommend them to anyone.

November 18, 2023
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It was great to receive support and understanding from Pat. He helped me work through my situation and provided me with an option that I believe is going to really help me and my family. He has excellent in listening to my needs and responding positively to my requests. Thank you so much Pat for your professional guidance and support today.

November 17, 2023
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Quick call back and very informative with my options and crunched the numbers to give me an overview of my situation and next best step forward. Above all gave me a chance to explain my situation whilst not being judgemental made me feel comfortable that I’m making the right decision.

November 16, 2023
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Was very helpful, and helped me get everything sorted and was a very nice person to deal with.

November 16, 2023
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Pat helped me so much and I can’t believe how much this is helped me! Thank you so much

November 16, 2023
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Friendly, understanding and informative

November 14, 2023
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Excellent helpful and friendly person (PAT). He explained everything really well so you could understand exactly what happens and how it all works. Great 😃👍.
November 6, 2023
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Friendly, and took the time to help answer all the questions I had. Very patient and understanding.
November 1, 2023
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Pat was very help and very explanatory of the reasons why a certain product would be helpful for my future

November 1, 2023
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The mannerism and the way you are treated was excellent couldn’t ask for more then that I had a few options which was great I recommend Australian lending service to Everyone

October 31, 2023
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Definitely a people’s person. If i had to describe the experience, imagine going to your local doctor, with positive energy, knowing everything is goign to be okay. Furthermore, he is a great listener, but he adds layers of compassion with active listening, rather than, “just doin my job”.

October 30, 2023
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She was so understanding and amazing

October 24, 2023
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Chloe was very kind and understanding!
Made me feel very comfortable even though I feel very uncomfortable talking about my financial situation

August 17, 2023
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Easy doing application online Verification and approval of application for quite turn around.

August 3, 2023
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I recommended this to anyone because it was so easy going and very easy to use

March 22, 2022
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I found Kayla to be very professional and non judgement to the advise l was asking, she had a lovely approach and manor on the phone. Would highly recommend this company

December 10, 2021
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Kayla has been lovely to deal with. She’s been responsive and helpful, suggesting multiple solutions to help me meet my needs. She has shown empathy and warmth, genuinely caring for her customers and their situation. Thank you Kayla 🙏

June 30, 2021
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I am so happy with the service that was provided to me, me and the customer service officer had a laugh, figured out my finances and I am able to get a new car thanks to her.. I have never ever been so happy in my life

June 29, 2021
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Brilliant.. one of easiest interviews I have done. 👏🏽👏🏽👏🏽👏🏽👏🏽👏🏽 Kristina was funny, engaging but more than anything calm. When dealing with peoples finances which is such a stressful subject she was calm.

June 28, 2021
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Chloe was great. Very helpful and genuine

June 28, 2021
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Professional and very clear

June 23, 2021
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Kathleen was very friendly and easy to talk to. She confirmed everything to ensure she had our details correct. She explained our options and answered all the questions we may have.
Very happy overall with our time spent on the phone with Kathleen.

June 22, 2021
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Chloe’s honesty and active listening skills were outstanding. She broke down the options for me and helped me feel at ease throughout this process. Thank you an asset to your team.
Rachel Rogers

June 21, 2021
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Kathleen was very helpful and informative, with an excellent demeanor. Definitely a credit to your company.

June 21, 2021
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Kathleen was polite and compassionate looking forward to getting back into a better position

June 18, 2021
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Chloe was very understanding and polite with regard to my situation and offered effective strategies to suit my needs moving forward. Excellent customer service and support.

June 17, 2021
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Kathleen was absolutely amazing! Professional, easy, friendly & quick to get results.
Before I made the phone call I was depressed & embarrassed and didn’t know what to do about my stressful financial debt.
I’d spoken to around 4 other loan consolidation companies and they were no help.
I was loosing motivation & very confused but decided to make one last phone call to try and get help to fix my current financial mess.
Thank goodness I called & spoke to Kathleen!
By the end of the call a weight has been lifted off my shoulders and I no longer felt stressed.
I couldn’t believe that I actually felt excited and in control of my finances for the first time in a longtime.
Thank you so much Kathleen & team for helping me.
Now I’m no longer so stressed I can be a better Mother & enjoy life more with my peace of mind finally given back to me.
Thank you Kathleen!

Home Loans give you the keys to your future

Purchasing property is one of the most significant investments you can make. But whether you’re a first-home buyer or an investment veteran, it can be a stressful process.

Australian Lending Centre offers competitive-rate home loans with an easy low doc application process to help reduce stress.

We produce tailored solutions without checking your credit score or asking for heaps of documentation.

Home Loans Give You The Keys To Your Future​

How to get a Home Loan with Australian Lending Centre

Benefit from an easy online application process, flexible terms and fast approval.

Our goal is to give you the power to customise the loan – it is yours, after all. You can decide the length of the loan and the frequency of payments. This is based on how much you want to pay back and how often you want to make payments.

You also have the power to decide if you want the interest rate to be fixed or variable.

What can an online home loan be used for?

Bad Credit Home Loan

Bad Credit Home Loan

Securing finance to purchase a home can be challenging with bad credit, but that’s where we excel. We provide bad credit home loan solutions with competitive interest rates.

Self Employed Home Loan

Self Employed Home Loan

Being self-employed presents unique challenges. Our low doc home loans cater to individuals who may not meet traditional banks’ strict requirements.

Home Loan Refinance

Home Loan Refinance

Home Loan Refinance can lower interest rates, decrease monthly payments, and allow you to use home equity for expenses.

Investment Property Loan

Investment Property Loan

We could help to kickstart your property investment portfolio. Property investing is a great way to generate wealth.

Home renovation loans icon

Home Renovation Loan

Home renovation costs can quickly stack up, leaving you with empty pockets or unfinished work. A home renovation loan helps you to get your project over the line.

First Home Buyers Loan

First Home Buyers

Buying your first home has many hurdles, so don’t stop at the first one. Our flexible home loan options are designed around you to help you get on the property ladder.

The Benefits of getting a Home Loan

Choosing a home loan can have many benefits:

  1. Financial Security: A home loan helps you purchase a property, build equity and increase your stake in the property market.

  2. Affordability: The cost of purchasing a property can be spread over many years, making the home more affordable.

  3. Tax Benefits: Interest payments may sometimes be tax-deductible, providing potential financial advantages.

  4. Flexibility: Home loans can be used for a wide variety of purposes depending on your financial situation and goals.

  5. Building Credit: Effectively managing a loan can strengthen your credit profile and make getting credit for other things easier.

  6. Investment Opportunities: Home ownership can open doors to investment opportunities, such as property development or rental income.

Fast Approval Home Loans with Flexible Terms

The requirements for banks and other traditional lenders are incredibly strict, but the Australian Lending Centre is different.

We offer real-time assessments and same-day approval for those who qualify. If you are looking for a quick home loan then talk to us today.

Other things to know about Home Loans

Other Things To Know About Home Loans​

Could I get a Home Loan if I already have a Mortgage?

If you already have a mortgage but need to access extra cash, there are a couple of home loan solutions to take advantage of:

Home Equity Loan

  • This is a great way to leverage your existing mortgage to access cash tied up in your property.

  • A home equity loan lets you borrow against your property’s equity (the difference between the home’s market value and the mortgage balance).

  • Because the property is used as collateral, interest rates are often lower than those of unsecured loans.

Mortgage Refinance

  • Put simply, this is the process of replacing your existing mortgage with a new one.

  • Benefits may include lower interest rates, smaller monthly payments, or the ability to use the equity in your property.

  • This can help you to improve your financial situation by securing better loan terms or freeing up cash for other needs.

Fixed Rate Vs Variable Home Loans

There are two main types of interest rates, each with its own pros and cons.

Before applying, understand the differences between fixed and variable interest rates. Then, choose the option that best suits your needs.

Fixed Interest Rate

A fixed interest rate home loan maintains a constant interest rate which is set before the loan begins. This means borrowers have predictable monthly repayments and are shielded from interest rate fluctuations.

It offers stability in budgeting and protects against potential rate increases during the fixed term.

Variable Interest Rate

A variable interest rate home loan has an interest rate that can change based on economic factors like the Reserve Bank's cash rate.

Your monthly payments may change over time, allowing for flexibility. However, there is a risk of higher costs if interest rates increase.

Personal Loan FAQ's

We have a selection of calculators to help work out how much you can borrow with your current income and financial obligations. Our borrowing power calculator is the best choice for finding this out.

A low doc home loan means that the application process requires minimal documentation.

This is particularly useful for self-employed people who may not have all the paperwork that banks usually ask for

Australian Lending Centre only needs basic personal info and online bank statements, which can be submitted in less than 5 minutes.

We also never check your credit score, so you can apply with confidence.

Yes! Each state has a slightly different scheme, so visit this portal, which has links to each state’s first home buyers scheme.

Absolutely yes! we are committed to supporting Australian entrepreneurs with financial products that are the right fit for you.