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Low Doc Loan Brokers

Fast Pre-Approvals 

Alt Income Verification

Free Consults 

High Success Rates

Wanting to buy something new, consolidate debt, go on a holiday or grow your business? Our Low doc personal and business loan brokers might be beneficial to help you get a loan without all of the paperwork that is often connected with a regular loan application. Alternatively, if you have a limited financial history or self-employed, satisfying all of the qualifying requirements may be challenging through traditional banks needs.

A widespread misperception is that a low-doc loan requires less proof of income than a standard loan, but this is not always the case. Instead, it is about giving various sorts of proof of your income, and other ways that our brokers can evidence to a lender that you can service a loan. We can also assist with lenders that are more focused on the current day trends, so if you had financial difficulties in the past, and now overcome these, there may be options for you as well.

This is all done whilst avoiding so called loan sharks and ridiculous very high interest and SACC loans which can look bad on your bank statements and credit history (to potential lenders).

The requirements for a low-doc personal or business loan entails less paperwork, however the exact requirements vary depending on your situation, which our brokers will help you navigate, and ensure there is a high level of confidence before any formal applications are done.

Best of all, we can usually provide a full up front quote of all fees and rates, and try to negotiate with lenders for no early repayment or exit fees, and minimal or no on-going account fees.

For home loans, please view our Alt Doc home loans page.

Alternative Income Verification Methods

“Sometimes all we really need is that little extra help to achieve great things” – Anon

Fast Pre-Approvals

Available Today

Free Consults

Low Doc Personal & Business Loan Brokers

Have limited paperwork and evidence for a typical loan, and looking at a low doc personal or business loan finance options? There are several low doc personal and business loans to select from, ranging from a loan secured by a vehicle, house, or other assets to an unsecured loan. Our loan brokers can also provide upfront quotes on a variable rate loan to a fixed rate personal loan, and from a short term loan to a loan with a longer borrowing duration.

We can find the loan that best suits your circumstances and to meet your income verification needs.

We can assist with all types of low doc personal and business loan financing, with flexible security and unsecured options.  Where as going to a lender will result in only their products, we can easily and quickly summarise current lender offers, and rates, and tailor a solution for you.  This generally not just saves you time and money, but also gives you comfort knowing you have received the best deal for your situation.

We can obtain financing with main and private lenders, with no early exit and repayment fees, and a whole host of other benefits. Enquire for a call back today from one of our credit specialist and ensure you make the right choice on your low doc personal and business financing today.

Frequently Asked Questions

What do I need to get started?

All we need to know at a minimum, is estimated monthly income and expenses, current debt balances and repayment amounts, and an outline of what you want to achieve. We can then arrange our complimentary credit consult with one of our loan brokers to discuss how we can best assist you.

How much can I borrow?

This will largely depend on your credit history and monthly income and expenses and other debt facilities you may already have. For larger amounts further documentation may also be needed and we can provide a full document checklist once a quote has been provided. If you want to find out a good idea of borrowing amount, please book one of our online credit consults or give us a call today. One of our loan brokers can then discuss a tailored potential borrowing amount.

What will my rate be?

This is similar to the metrics used to assess borrowing limit. We can advise an estimated rate from our complimentary credit consult, or to receive a more accurate rate, please get in contact with us to arrange your tailored loan quote.

Does my job or location matter?

We can consider income from any industry and job type Australia wide. The location and industry may effect rate and borrowing limits, depending on the risk rating the lenders apply. Generally your credit history, property details, and level of other debt, are more important lender factors.

Do you need tax returns?

For self-employed applicants we have alternative income verification methods. These can utilise bank statements, BAS or accountant declarations to calculate loan borrowing limits and interest rates. Even if recently employed, we can also assist as generally pay slips or an employment contract is all that’s needed. This will all depend upon your loan requirements and other mitigating circumstances which we can discuss when you call.

Low Doc Loan Details

We can assist with many types of low doc business and personal loans from a large range of lender facilities. Depending on your situation, we can also wrap debt consolidation into new lending if you want to purchase something at the same time, to optimise your loan efficiency.

Low doc personal loans might be used for a vacation, a new vehicle, home improvements, or medical expenditures. For low doc business loans can be used for almost any worthwhile business purpose, with higher lending amounts available without the need of security.

Generally loan terms can be from 1-7 years depending on your circumstances.

For alternative documentation requirements this will depend on your circumstances and can be bank statements, accountant letters, personal statements, or other verifiable methods. We still need supporting documentation and are subject to lender’s full credit assessment criteria; however, the proof they seek is tailored to a larger variety of financial conditions whilst still consistent with current lending standards and legal requirements.

Start today by arranging a free 30 minute credit consult with one of our loan brokers. From there we can advise how we can assist you, and provide value and benefits around utilising our team for for all your finance needs.

Things To Consider

1. Higher Interest Rates

Generally a low doc loan will carry higher interest rates than full doc; Though we stay away from loan shark and very high interest SACC loans. Our brokers will also provide an upfront quote indicative of all fees, to give you a proper loan cost quote.

2. Lower Lending Limits & Terms

Due to the perceived risks these loans can have lower limits and terms apply, which will depend on your circumstances. We will always advise the maximum term amount, but then also suggest the most beneficial for minimising interest and fees.

3. Full Doc Considerations

Our brokers often find clients who believe they don’t qualify for full doc, but that our brokers are able to advise lenders where they may in fact qualify for such loans. By providing as much information as possible to our brokers, we can see if there are current full doc options to you.

4. Loan Type

We can also ensure the overall loan structure suits you. This may depend on whether you want a full loan draw down, or benefit more from a line of credit with interest only repayments. Our brokers can look at your current and future plans, and advise of the various options that may suit you best.

What does it take for a low doc personal and business loan?


The requirements of each loan first start with working out your needs, wants, and objectives, and then aligning this against your current financial position. From there we can work out which lender, and which of their finance products, is likely going to suit you the best. This will result in different document and verification requirements, which can also be tailored to what is available. We do this all in an efficient transparent way, and generally can show you the top three to five comparisons, and reasons for our finance choice – with the ultimate decision in your hands.

We reverse engineer your financial position, wants and needs, and future objectives, to align you with the most beneficial lender.

Full Doc Loans

  • 2 x Payslips
  • ATO Tax Returns
  • Financial Records
  • 1-2 Years ABN NOAs
  • Clear Credit History

Specialists Loans

  • Exotic assets
  • Non-conforming security
  • Difficult income verification
  • Case by case assessments
  • Special loan needs

Low Doc Loans

  • No tax returns
  • Alternative income
  • Bank statements
  • Short trading history
  • Private lenders

Credit Impaired

  • Discharged bankrupt
  • Listed defaults
  • Late payments
  • Low credit score
  • Limited credit history