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Low Doc Loans

A Low Doc Loan allows income to be verified through BAS statements, accountant declarations or business bank statements instead of full tax returns.

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Get Pre-Approved

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.

Speak to Specialist
Speak to Specialist
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
Top Brokerage 2024
2024
Top Commercial Broker 2024
2024
AU Mortgage Awards 2024
2024
LA Trobe 2025
2025
Commercial Finance 2025
2025
Women In Finance 2025
2025
Adviser AU Awards 2025
2025
10 year loyalty 2025
2025
Elite Broker 2025
2025
Elite Head Group 2025
2025

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.

Elite Head Group 2025
Elite Broker 2025
10 year loyalty 2025
Adviser AU Awards 2025
Women In Finance 2025
Commercial Finance 2025
LA Trobe 2025
AU Mortgage Awards 2024
Top Commercial Broker 2024
Top Brokerage 2024
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

Understanding Low Doc Loans

A Low Doc Loan provides flexible commercial lending for self-employed borrowers and business owners who may not have up-to-date financial statements available. Instead of relying on full tax returns, lenders assess income using alternative documentation such as BAS statements or business bank records. It offers a practical middle ground between traditional lending and specialist finance.

What Is a Low Doc Loan?

A Low Doc Loan provides flexible finance for self-employed borrowers using alternative income verification instead of full tax returns. It balances accessibility with structured commercial lending terms.

Who Is Eligible for a Low Doc Loan?

You may qualify if:

  • You are self-employed or run a business
  • You can provide alternative income verification
  • You have an active ABN (typically 1–2 years)
  • You meet lender LVR and credit requirements
Speak to Specialist
Speak to Specialist

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.

Speak to Specialist
Speak to Specialist

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

Access to 30+ Leading Lenders

With Rethink Financing you are never limited by a single bank’s criteria. We work with more than 30 trusted lenders, from major banks to specialist boutique funders, to source the most competitive Lease Doc loan for your circumstances and strategy.

What our clients say

We are always securing new properties to add to your portfolio. View our latest Australian acquisitions below.

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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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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.

What is a Low Doc Loan?
Who is eligible?
How much can I borrow?
Do I need perfect credit?
How fast can I get approved?