Cut abdominal fat. And diet wise.

I've been working out since more than a year and generally been following a low carb high protein diet. I've also stopped added sugars to a great extent. My body fat has come down from 23% to 14% but I still fat around my stomach and lower back. I tried giving up carbs completely and even came down to 12% body fat, but in doing that my weight dropped a lot and so did my muscle. So I started eating a few carbs again - oats, sweet potatoes etc. Everyone I know who has reduced this fat have used fat burners and tons of supplements to get there. The only supplement I'm taking is whey protein and I hope to keep it that way. I've lost hope that I can lose this fat naturally. I'm doing weight training (HIIT) and following a strict diet. Please tell me any pro tips that I can follow to burn this fat - exercises and diet wise. Thanks.