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1800 896 817

XIN Financial Alt Doc Lite Loan

A flexible low-doc option with generous features and no fuss on documentation.

Interest Rate From

6.54%p.a.

Variable rate

6.93%p.a.

Comparison rate

*Interest Rate and Loan Amounts based on LVR.

*The comparison rate is based on a secured loan of $150,000 and a term of 25 years. WARNING: This comparison rate is only true for the example given and may not include all fees and charges. Different loan amounts, terms, or fees may result in a different comparison rate.

*Disclaimer: The information provided herein represents a consolidated summary from all funders and is not intended to detail any single product offering. For specific product information, please consult our BDM or the Credit team.

Let’s do this

Why Choose Alt Doc Lite Loan?

Alt Doc Lite is an ideal choice for self-employed borrowers who want to avoid full-doc paperwork but still enjoy flexible, competitive lending. Designed for ease, it uses only 1 year of financials and provides access to large loan sizes and debt consolidation.

This product includes Interest Only availability for Owner Occupied loans, unlimited cash-out, and a 100% offset facility. All without needing an exception or facing loading penalties.

Key Features

Only required last year’s Accountant prepared Financial Statements with Balance Sheet to confirm the income

Interest Only for Owner Occupied

Unlimited number of debts consolidated

100% offset account available

XIN Financial Alt Doc Loan

A flexible Alt Doc solution with high loan amounts, minimal paperwork, and full-featured benefits tailored for self-employed borrowers

Interest Rate From

6.74%p.a.

Variable rate

7.13%p.a.

Comparison rate

*Interest Rate and Loan Amounts based on LVR.

Let’s do this

Why Choose Alt Doc loans?

Alt Doc loans are tailored for self-employed Australians who may not meet traditional lending criteria but still deserve access to smart, competitive home loan solutions. They are designed for borrowers seeking high loan amounts, quick approvals, and reduced paperwork, making the lending process faster and more flexible.

Key Features

Unlimited cash-out with stated purpose only, no evidence required < $500k

100% Offset with no loading

Interest Only for O/O loans available, up to 65% LVR

Flexible income verification

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