Fast, flexible home loans without the bank paperwork
Surge Finance offers one-doc home loans designed for self-employed borrowers, investors, and property owners who want quick, private finance solutions.
- Competitive rates from 6% pa
- 10% deposit available
Property finance made simple
Traditional home loans can be slow and restrictive, especially for self-employed borrowers or investors with complex income structures. Surge Finance provides an alternative.
Our one-doc loans are ideal for those building a portfolio or refinancing existing assets, offering quick approvals and a straightforward process.
Common uses:
- Purchasing or refinancing residential property
- Funding property portfolio expansion
- Consolidating existing mortgages or debts
- Accessing equity for investment or renovation projects
Get the property of your dreams without the hassle
A one-doc home loan is a simplified lending product requiring minimal documentation — typically just property and identification details.
One-doc home loan
Ideal for Self-employed individuals, contractors, company directors, and property investors who may not meet traditional bank criteria.
- Capital City and Major Regional Population Areas
- Up to $5,000,000
| Loan Term | Up to 30 years |
|---|---|
| Interest | From 6% pa |
| Proof of income | Accountants Letter |
| Deposit | From 10% |
Apply for a one-doc home loan today
If you’re self-employed or building your property portfolio and want a faster, more flexible finance option, Surge Finance can help. Speak to our team today to start your one-doc home loan application.
Frequently Asked Questions
Our aim is to make securing important funding for your property purchase feel simple and straightforward. We are always on hand to help navigate the details.
Do you check credit history?
Defaults and poor credit are accepted on a case-by-case basis, provided there is sufficient equity in the security property.
Can I use the funds for investment purposes?
Yes. Surge Finance home loans are suitable for both owner-occupied and investment properties.
Partnering with
Twelve Grains Holdings Pty Ltd ABN 15 608 522 890 AFSL and Australian Credit Licence 498878.