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Full Doc Loans: Traditional Finance. Superior Terms.

Secure your loan with full documentation for the best rates and broadest lender access.

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When your financials are complete and your goals ambitious, our Full Doc Loan solutions give you access to Australia’s most competitive financing. Whether you’re purchasing, refinancing or expanding, we bring clarity, speed and choice to your lending journey.

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Compared lenders
Compared lenders
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Awards &
Recognition

We have been countlessly recognised as leaders in our industry - we have our highly experienced team to thank for that.

Discover Awards
Discover Awards
  • Finalist ABA Commercial Broker of the Year
    2022
  • MPA Top Commercial Brokers
    2022
  • Finalist ORB Award – Head Group (Over 5)
    2022
  • Finalist ORB Award – Commercial Broker
    2022
  • Finalist ORB Award – Residential Broker
    2022
  • Winner ORB Award – Mentee Choice Award
    2022
  • Winner ORB Award – Commercial Broker
    2022
  • ORB Award - Excellence Award Head Group (Over 5)
    2022
  • Elite Broker
    2022
  • Elite Broker
    2023
  • Elite Broker
    2024
  • Elite Broker Outsource Financial
    2022
  • Finalist Better Business Awards – Best Independent Office (more than 5 brokers)
    2022
  • Australian Mortgage Awards – Excellence Awardee
    2023
  • MPA Top Commercial Broker
    2023
  • MPA Top Commercial Broker
    2024
  • MPA Top Brokerage
    2024

We have been countlessly recognised as leaders in our industry - we have our highly experienced team to thank for that.

Discover Awards
Discover Awards
Australian Mortgage Awards – Excellence Awardee
2023
Finalist ABA Commercial Broker of the Year
2022
Finalist ORB Award – Head Group (Over 5)
2022
Finalist ORB Award – Commercial Broker
2022
Finalist ORB Award – Residential Broker
2022
Winner ORB Award – Mentee Choice Award
2022
Winner ORB Award – Commercial Broker
2022
ORB Award - Excellence Award Head Group (Over 5)
2022
Elite Broker Outsource Financial
2022
Elite Broker
2022/2023
Elite Broker
2023/2024
Finalist Better Business Awards – Best Independent Office (more than 5 brokers)
2022
MPA Top Commercial Brokers 2022
2022
MPA Top Commercial Broker
2023
MPA Top Commercial Broker
2024
MPA Top Brokerage
2024
I planted a tree with MPA

Awards &
Recognition

Our reputation as industry leaders is a testament to the expertise and dedication of our highly experienced team.

Award-Winning Mortgage & Finance Specialists

Proud recipients of MPA Top Brokerage 2024 and Australian Mortgage Awards for Excellence.

I planted a tree with MPA
MPA Top Brokerage
MPA Top Commercial Broker
MPA Top Commercial Broker
MPA Top Commercial Brokers 2022
Finalist Better Business Awards – Best Independent Office (more than 5 brokers)
Elite Broker
Elite Broker
Elite Broker Outsource Financial
ORB Award - Excellence Award Head Group (Over 5)
Winner ORB Award – Commercial Broker
Winner ORB Award – Mentee Choice Award
Finalist ORB Award – Residential Broker
Finalist ORB Award – Commercial Broker
Finalist ORB Award – Head Group (Over 5)
Australian Mortgage Awards – Excellence Awardee
Finalist ABA Commercial Broker of the Year
01

Empowerment

Excellence is our foundation; we operate with purpose, maintaining the highest standards of quality and professionalism in all endeavours. Our dedication to excellence fuels innovation and ensures our clients receive unparalleled service and results.

02

Authenticity

Authenticity drives our every action at Rethink Group. We invest with honesty, transparency, and integrity, offering genuine and reliable guidance at every turn.

03

Excellence

Excellence is our foundation; we operate with purpose, maintaining the highest standards of quality and professionalism in all endeavours. Our dedication to excellence fuels innovation and ensures our clients receive unparalleled service and results.

04

Disruption

We see disruption as an opportunity for innovation and progress. We’re committed to pioneering your future by challenging norms, exploring new horizons, and pushing boundaries. Our dedication to disruption drives us to seek groundbreaking solutions and transformative opportunities, empowering our clients to excel in a constantly evolving world.

Complete List of awards

  • Sitamet Doloris Award 2018
  • Sitamet Doloris Award 2018
  • Sitamet Doloris Award 2018
  • Sitamet Doloris Award 2018
  • Sitamet Doloris Award 2018
  • Sitamet Doloris Award 2018
  • Sitamet Doloris Award 2018
  • Sitamet Doloris Award 2018
  • Sitamet Doloris Award 2018
  • Sitamet Doloris Award 2018
  • Sitamet Doloris Award 2018
  • Sitamet Doloris Award 2018
  • Sitamet Doloris Award 2018

Why Choose a Full Doc Loan?

A Full Doc Loan is the “gold standard” of lending, when you have full financial records, tax returns, business statements or payslips, you unlock superior terms, higher borrowing capacity and greater flexibility. Here’s what that means for you:

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Lower interest rates - lenders reward full transparency.

Higher borrowing limits - up to 90%+ LVR in some cases.

Broad product features - fixed/variable, redraw, offset etc.

Stronger repayment flexibility - longer terms, fewer restrictions.

Suitable for salaried, self-employed (with full documentation) and established businesses.

Who Qualifies for Full Doc Loans? How It Works.

If you’re a PAYG employee, established business or investor with comprehensive financials, Full Doc is likely your best option. Here’s how the process works:

Eligibility & Process:

  • Proven income: payslips + tax returns (2 years for many lenders).
  • Financial statements: business profit & loss, balance sheet if applicable.
  • Credit history: strong record helps obtain best terms.
  • Application: one clean package, access to major banks and specialist lenders.
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Loan Purpose

Purchase • Refinance • Equity Release of Residential or Commercial Property

Suitable Borrowers

Individuals • Companies • Trusts with complete financial documentation

Property Type

Owner-Occupied or Investment

Minimum Loan Amount

$250,000

Maximum Loan Amount

Up to $3,000,000 (≤ 80% LVR) • Total exposure up to $5,000,000

Maximum LVR

Up to 80% (case-by-case up to 85% for prime borrowers)

Loan Term

10 – 30 years

Acceptable Securities

Category 1 & 2 locations • Residential properties • Commercial securities (office, retail, warehouse, factory, light industrial)

Cash Out

Available – unlimited for qualifying borrowers

Debt Consolidation

Up to 5 unsecured debts (< 3 credit cards, ATO debts excluded)

Credit History

Paid defaults < $500 may be considered; strong credit = better terms

Split Loan

Up to 5 splits

Repayment Options

Principal & Interest or Interest-Only (up to 5 years, then P & I)

Repayment Methods

Direct Debit • BPAY • Pay Anyone

Interest Rates

From 6% p.a.* - subject to lender and borrower profile (for dev: dynamic placeholder)

Documentation Required

2 years of tax returns, income statements, and bank records (PAYG or Self-Employed)

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Learn more about your finance options today.

Insert your details to book your complimentary introductory call with one of our Finance team.
​or call us on 1300 965 551
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Full Doc Loans FAQs

Before reaching out, check out our frequently asked questions to see if we’ve already answered what you’re looking for.

What is a Full Doc Loan?
Who should apply for a Full Doc Loan?
What do I need to provide as documents?
How fast can I get approved?
Are rates better than alternative loan types?