loans.com.au's Bare Alt Doc Home Loan is a no-frills mortgage designed for straightforward home financing, offering competitive variable rates with principal and interest repayments only. Borrow up to $3,000,000 (up to 80% LVR), make unlimited extra repayments, and access funds anytime with a convenient redraw facility, all with no ongoing fees. Available where at least one borrower is self-employed and requires an alternative method of income verification, such as Business Activity Statements.
Product data
The lender's Consumer Data Right data, as collected by Homepedia. Nothing in this part comes from a channel.Rates
| Rate | Comparison* | Applies to | Conditions | Source | Since |
|---|---|---|---|---|---|
| 7.09% | 7.13% | Variable · investment · principal and interest · LVR 70% or less | Specialist lending | CDR | 1 Nov 2026 |
| 7.19% | 7.23% | Variable · investment · principal and interest · LVR 70%–80% | Specialist lending | CDR | 1 Nov 2026 |
| 6.89% | 6.93% | Variable · owner occupied · principal and interest · LVR 70% or less | Specialist lending | CDR | 1 Nov 2026 |
| 6.99% | 7.03% | Variable · owner occupied · principal and interest · LVR 70%–80% | Specialist lending | CDR | 1 Nov 2026 |
*Comparison rates are calculated on a $150,000 secured loan over a term of 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Fees and charges are payable.
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Source
CDR officialConsumer Data Right product dataShow where this comes from
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- 1 Nov 2026
- URL
https://prd.pm.productdata.au/270801a2-ecee-4175-98fc-9ba0a1cd8d4d/adapter/cds-au/v1/banking/products/lca-bare-alt-doc-home-loan- Content hash
sha256 f459f3ab65723e0ed510f361eb6d126844642abbdca8a13ef2b7395788dfff2f- Rule version
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Consumer Data Right product dataev_cdr_f459f3ab65723e0e_488f05a8Show details
- Checked
- 1 Nov 2026
- URL
https://prd.pm.productdata.au/270801a2-ecee-4175-98fc-9ba0a1cd8d4d/adapter/cds-au/v1/banking/products/lca-bare-alt-doc-home-loan- Content hash
sha256 f459f3ab65723e0ed510f361eb6d126844642abbdca8a13ef2b7395788dfff2f- Excerpt
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- Rule version
mapper@0.1.2
Page and PDF snapshots are kept by Homepedia; the hash above identifies the exact version we read. Data as at 1 Nov 2026.
Fees
| Fee | Type | Amount |
|---|---|---|
| Settlement Fee | Event | $300.00 |
| Application Fee | Upfront | $0.00 |
| Security Assessment Fee | Upfront | Set in your letter of offer |
| Discharge Administration Fee | Exit | $300.00 |
| Discharge Documentation Fee | Exit | $250.00 |
Features and eligibility
| Item | Value | Details |
|---|---|---|
| Extra repayments | Allows borrowers to make additional repayments on the loan to reduce interest and pay off the loan faster. | |
| Redraw | Enables access to any extra repayments made, allowing funds to be withdrawn if needed. | |
| Eligibility: employment status | Self employed | Available where at least one borrower is self-employed and requires an alternative method of income verification, such as Business Activity Statements. |
| Eligibility: min age | 18 | Applicants must be at least 18 years old to apply for this loan |
| Eligibility: residency status | Are Australian or New Zealand citizens living and working in either Australia or New Zealand, or are Permanent Residents of Australia living and working in Australia. | |
| Limit: other | P30Y | |
| Limit: other | P15Y | |
| Limit: min limit | 50000.00 | |
| Limit: max limit | 3000000.00 |
Rate history
| Rate | From | To | Rate p.a. | Comparison |
|---|---|---|---|---|
| Variable · owner occupied · principal and interest · LVR 70%–80% | 1 Nov 2026 | Current | 6.99% | 7.03% |
| Variable · investment · principal and interest · LVR 70% or less | 1 Nov 2026 | Current | 7.09% | 7.13% |
| Variable · investment · principal and interest · LVR 70%–80% | 1 Nov 2026 | Current | 7.19% | 7.23% |
| Variable · owner occupied · principal and interest · LVR 70% or less | 1 Nov 2026 | Current | 6.89% | 6.93% |
*Comparison rates are calculated on a $150,000 secured loan over a term of 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Fees and charges are payable.
Tags
| Tag | Meaning | Effect |
|---|---|---|
risk:specialist | Specialist lending | Left out of the standard home loan table; separate switch |
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