Own property but can’t access your equity because you’re self-employed? Outlook Finance arranges unlimited cash out low doc loans up to 80% LVR — no income tax returns required.
What Is a Cash Out Low Doc Loan?
A cash out low doc loan lets you refinance your property and withdraw equity as cash — without providing tax returns. You verify income using BAS statements, bank statements, or an accountant’s declaration instead. The cash can be used for any purpose: business investment, debt consolidation, renovation, purchasing additional property, or working capital.
How Much Cash Can You Access?
Through Outlook Finance’s specialist lender panel, you can access unlimited cash out up to 80% LVR. There is no cap on the amount of equity you can release, subject to the property value and your ability to service the loan. For example, a property valued at $1 million with a $400,000 mortgage gives you up to $400,000 in accessible equity at 80% LVR.
Who Qualifies?
- Self-employed borrowers with 6+ months ABN registration
- Property owners with sufficient equity (typically 20%+ remaining after cash out)
- Borrowers who cannot provide 2 years of tax returns
- Business owners needing working capital or investment funds
- Investors looking to recycle equity into additional properties
Why Banks Limit Cash Out — And Why Specialist Lenders Don’t
Major banks typically cap cash out at $50,000–$100,000 and require full income documentation. Specialist lenders on the Outlook Finance panel impose no cash out cap and accept alternative income verification. The key difference is how they assess your income — specialist lenders understand self-employed cash flow better than major banks.
Outlook Finance is Australia’s first call for low doc cash out loans. We say yes when banks say no.
Frequently Asked Questions
Is there a maximum loan size? Our specialist lenders can accommodate loans up to $5 million+ depending on the security property and borrower profile.
Can I use the cash for business purposes? Yes. Unlike some lenders who restrict cash out use, our specialist panel allows cash to be used for any legal purpose including business investment.
Do I need to be self-employed for a certain amount of time? Some lenders accept as little as 6 months ABN registration. Outlook Finance will match you with the lender that best fits your timeline.