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90 Marine Terrace Fremantle, WA, 6160

Low-Doc Home Loans

Low-Doc Home Loans
I’m Brodie Brown, Managing Broker here at BH Brown Mortgage Brokers. Based in Fremantle we specialise in home loans for a range of different situations and work with clients right Perth’s Western Suburbs.

Low-Doc Home Loans

Low doc mortgages in mortgage broker speak are “specialist” loans. This means that we have a Client who, for some reason, doesn’t have all the documentation (tax returns, etc.) available to lodge an application, but requires the funding prior to the documentation being ready and is prepared to accept a higher interest rate and potentially less favourable terms to secure the property.

I’m Brodie Brown, Managing Broker here at BH Brown Mortgage Brokers. Based in Fremantle we specialise in home loans for a range of different situations and work with clients right Perth’s Western Suburbs.
Low-Doc Home Loans

Low-Doc Home Loans

Low doc mortgages in mortgage broker speak are “specialist” loans. This means that we have a Client who, for some reason, doesn’t have all the documentation (tax returns, etc.) available to lodge an application, but requires the funding prior to the documentation being ready and is prepared to accept a higher interest rate and potentially less favourable terms to secure the property.

Low-Doc Home Loans

Low-Doc Home Loans
Typical scenarios might be a self-employed applicant with an outstanding tax bill, or, a large profit on which they would like to delay the payment of tax for as long as possible but have Business Activity Statements showing solid performance in the interim. You may have just started out in business and are killing the pig, and you’re motivated to buy real estate with some urgency.

These types of loans aren’t typically available from typical lenders, i.e. major banks, but there are a small number of non-bank lenders or specialist lenders that offer surprisingly good terms and interest rates to the right type of customers.

Remember, this isn’t an opportunity to borrow money if your finances are a mess and your business is going backwards. Don’t bother – go focus on making money first.

If you need to borrow at a less-than-perfect time (even to consolidate a tax debt) but have most of your financials in decent order, and things are going well in your business, or you’re coming back from the brink and just want to show the latest 6-months of trading history, we should talk.

HOW TO GET STARTED

There’s far too much to cover here, and a zillion different scenarios with their own unique backstory, so I’m not going to get into minute detail trying to call out to all of you that don’t fit the mould.

The smartest thing you can do is to send an enquiry here with plenty of detail. If it sounds to us like something we can assist with, we will organise an appointment to speak to us.

Doing Finance Differently

It’s what BH Brown does differently to other brokers, banks, loan supermarkets and ‘no service’ digital lenders that ensures the Success of our Clients.

We are Professional Mortgage Brokers, committed to helping Our Clients purchase homes, investment property and projects.

We can arrange construction loans, unlock “hidden equity” to invest and restructure finance for a smooth transition to retirement.

BH Brown excels in solving large, complex, multi-property and multi-entity deals and has the Reputation to prove it.

  • We deliver wealth-focused mortgage and loan advice
  • We make things happen that our clients had been told weren’t able to be done
  • We are all about relationships
  • We take it personally
  • We have every available loan option from Banks to Private Lenders
  • We employ the latest software almost eliminating paperwork and forms
  • We take responsibility and control over the transaction
  • We work for our clients with a sense of urgency
  • We do whatever it takes to make the deal happen
  • We always talk in terms of Your success
  • We Guarantee Our Service

An Impeccable Reputation

Brodie and Josie were complete professionals throughout the whole process. He and his team really do what he says they will do and provide you the best service possible.
Peta Duncan
2024-02-05
Love working with Brodie Brown and his team. Great advice and support. Make the whole process easy:)
Anne-Marie Erickson
2024-02-01
My wife and I had the pleasure of working with Brodie Brown and his exceptional team for our first investment property purchase in Perth. From the moment we engaged with Brodie, we were impressed by his professionalism, efficiency, and depth of knowledge. Brodie and his team made the entire process seamless and stress-free for us. They provided continuous touch points throughout, ensuring we were always informed and reassured that everything was proceeding according to plan. Their attention to detail and commitment to excellence truly set them apart. We are incredibly grateful for Brodie's expertise and guidance throughout this journey. His dedication to finding the best mortgage solution for us was evident in every interaction we had. We wouldn't hesitate to recommend Brodie and his team to anyone in need of a mortgage, knowing they'll be in the hands of a true industry expert.
Jon Butler
2024-02-01
It’s always a pleasure to have Brodie and the team at BH Brown manage our mortgages and finances. They have helped my partner and myself obtain mortgages, refinance, restructure and reorder to best suit our current and often changing needs. If ever we are unsure of something or have a question, just a quick phone call and one of the BH Brown team has us the answer, they never fail to offer us sound, practical and knowledgeable advice and outstanding service. Always the highest possible star rating for BHBrown Mortgage Brokers. I highly recommend them to anyone!
Chad Auth
2024-01-31
I’d been on Brodie’s email list (downloaded AND read the book!) for about 6 months, when Troy telephoned to see how we were going and if we needed anything. I didn’t know it at the time but we were actually in a prime position to refinance our new house away from Keystart! I had no idea. So that’s what we did, with no lenders mortgage insurance required to boot! Troy is very friendly, very patient (we took longer than we should have with paperwork etc…) and very professional. The whole process was very easy and pain-free, and we never felt rushed or pressured to continue until we understood things. Troy has helped us out twice now with finance. He was away on holiday the second time, poor guy, and he still helped us out with cheerfulness. Many thanks Troy!! Oh, and I know full well that Brodie’s emails are marketing, but I really do enjoy reading them and learn from them, and I recommend that you sign up to his list!
Cameron Brown
2024-01-30
Brodie and his team provide excellent service and advice, recommend them in a heartbeat.
Jason Wallis
2024-01-14
Brodie and his team were awesome they listened to our circumstances and guided us through the whole process to get the result everyone wanted thoroughly recommend to al expat kiwis because he likes his rugby aswell thanks team
Megan Michelle
2024-01-11
Did a free one off phone consult and Brodie was great in quickly assessing our situation and giving sound advice. Highly recommended.
Kevin Eipe
2024-01-10
Brodie and the team did a great job of finding me the best loan for my situation, and they made the process easy. Highly recommend.
Tim Fisher
2024-01-07
Brodie has been terrific over the last few years offering reliable property and mortgage advice. Highly recommended.
Jack Selva
2023-12-30
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