Low Doc Loans
Simplify your finances. Ideal for self-employed and business owners who prefer flexibility over paperwork.
Our Low Doc Loans make borrowing simple by verifying your income using alternative documents - not full tax returns. Designed for entrepreneurs, investors, and professionals who need funding that keeps up with their goals.
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Award-Winning Mortgage & Finance Specialists
Proud recipients of MPA Top Brokerage 2024 and Australian Mortgage Awards for Excellence.
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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
Finance Without the Full Paperwork
A Low Doc Loan is ideal if you’re self-employed or running a business and don’t have up-to-date financial statements. Instead of full tax returns, lenders assess your income using documents such as BAS statements, accountant declarations, or business bank statements.
Perfect for self-employed borrowers
Alternative income verification methods
Borrow up to 80% LVR (depending on lender and asset type)
Fast approvals with minimal documentation
Available for purchase, refinance, or equity release
Low Doc Loan Snapshot
Purchase • Refinance • Equity Release of Residential or Commercial Security
Individuals • Companies • Trusts (self-employed or alternative income)
Owner-Occupied or Investment • Residential and Commercial
$150,000
Up to $3,000,000 (≤ 80% LVR) • Total Exposure $5,000,000
80% (80% (subject to assessment)subject to assessment)
10 – 30 years
Accountant Letter • BAS Statements • Business Bank Statements
Category 1 & 2 Locations • Residential Homes • Commercial Properties (office, warehouse, retail, industrial)
Available for business or investment use
Minor paid defaults < $500 may be considered
Principal & Interest or Interest-Only (up to 5 years then P&I)
Direct Debit • BPAY • Pay Anyone
Variable rates starting around X.XX% p.a.* (subject to profile and lender)
Specialised security and higher LVRs may be accepted on a case-by-case basis.
Smarter Lending Starts Here
At Rethink Financing, we understand self-employed clients don’t always fit into traditional lending boxes. Our team works with over 30 banks and specialist lenders to match you with the right loan structure and rate.
Expert Guidance
Dedicated brokers with commercial and residential finance expertise.
Fast Approvals
Streamlined application and decision process.
30+ Lenders
Including major banks and specialist non-bank options.
Personalised Support
Clear, consistent communication at every stage.
Easy to Understand Features, Variables & Fees
Learn more about your finance options today.
Low Doc Loan FAQs
Before reaching out, check out our frequently asked questions to see if we’ve already answered what you’re looking for.