Are you looking for a low doc loan?

With more and more of the work force in non full time roles, it can be harder to be able to satisfy the usual requirements for a standard loan. Income could come from multiple sources, a business may operate largely in cash, or you may receive guaranteed weekly income from non-job sources i.e. inheritances, payouts etc.

We can discuss your current situation, and then see which lender will best suit your needs, with our free low doc review service. We look at what type of loan you are after, and then possible ways we can assist in providing alternative ways to verify income, expenses and satisfy other requirements for a possible application

All types of loans considered

Our low doc loan lenders, consider everything from small personal loans, to larger car and business loans, and can also assist with personal, investment, and commercial property mortgages. We can provide you with a full quote before any formal application, and negotiate with the lenders on your behalf, to obtain the best product, rate and service to suit your needs.

Though interest rates on low doc loans are typically higher, we still have a range of lenders who specifically deal in the low doc space. This means they don’t charge over-bearing risk and application fees, and can assess applicants with a holistic approach on the file- giving you the best chance for a successful application.

Application Process

We try and keep the application process as easy and effective as possible. This means we will provide a completely free, initial consultation to assess your needs and current position. From this, we will work out a plan to provide the best solution, and pre-negotiate with lenders on your behalf. Once we are happy with lender’s offers, we will present you the best options for your feedback and a list of what is needed to complete. Once approved, and all docs supplied, most funding is provided within 24-48 hours or on settlement. Just note that we can provide all types of funding, so the details of documents can be suited to your needs i.e. full doc, alt doc, low doc etc. If you aren’t sure where you fit in, just give our friendly credit assessors a call today.

Types of low doc loans

  • Asset – car, van, general equipment and tools, fit outs

  • Personal loans for furniture, travel, home improvements and more

  • Cash Flow – line of credit and overdrafts

  • Yellow Goods – earthmoving, agriculture and construction vehicles/equipment

  • Any other worthwhile personal or business use/purpose

Type of Clients

  • Full doc – last two-year full financials and tax returns for lower rates

  • Low Doc – Only need latest BAS, stat dec, and/or accountants’ letter

  • Alt Doc – other income and financial verification methods available

  • Credit Impaired – low credit score, defaults, bankruptcies considered

  • New Businesses – From 1day ABN, company structure changes and more


  1. Initial consultation – view our contact page for details

  2. We negotiate with lenders on your behalf for the best deal

  3. Seek your feedback and assist with any additional questions for approval

  4. Complete document checklist and seek final approval

  5. Once approved, funds arrive typically 24-48 hours