Low Doc Loans

If you’re a freelancer, contractor, or a small business owner who needs financing but doesn’t have the documents, we can help you. We’ll find the right loan for you with less paperwork and more peace of mind.
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Getting a low doc loan in Sydney

Low doc loans, short for “low documentation loans,” are a type of loan designed for individuals who may not have the documentation usually required for traditional loans.

They are particularly suitable for people who can’t provide extensive proof of income like payslips or tax returns like:

  • self-employed individuals
  • small business owners
  • those with irregular income

Instead of traditional income verification documents, you may provide alternative forms of evidence, like a declaration of income, bank statements, or an accountant’s letter.

If you’re someone who doesn’t have the paperwork to qualify for regular loans, speak with our expert loan brokers.

We can help you get a suitable loan that aligns with your financial goals and circumstances and make the loan process as smooth and stress-free as possible.

How can you benefit from low doc loans?


If you're a non-traditional income earner, low doc loans make it easier for you to access financing.

Flexibility in documentation

Low doc loans require bank statements, business activity statements, or an accountant’s letter instead of payslips or tax returns.

Quick approval process

Due to the reduced documentation requirements, the approval process for low doc loans can be quicker compared to standard loans.

Opportunity to build credit

Paying off a low doc loan can help you build or improve your credit profile and can be beneficial for future financial endeavours.

Low doc loan options available to you

Low Doc Home Loans

For buying or refinancing a home

Low Doc Car Loans

For buying your first car

Low Doc Personal Loans

For personal expenses like renovations or travel

Low Doc Business Loans

For business owners who need funding

Things to consider before getting a low doc loan

Before proceeding with a low doc loan, it’s essential to consider these factors:

Higher interest rates and fees

Low doc loans typically have higher interest rates due to their perceived higher risk. The fees associated with these loans can also be higher, affecting the overall cost.

Stricter loan-to-value ratios (LVRs)

Lenders may require a lower LVR for low doc loans, which means you might need a larger deposit. This could impact the amount you can borrow.

Limited lender options

Not all lenders offer low doc loans, which limits your choices. But don’t worry, we can help you find lenders who are willing to work with your situation.

Exit fees and refinancing costs

Some low doc loans might have penalties for early repayment or exit fees. Additionally, refinancing these loans can come with extra costs.

While all these can be overwhelming, don’t worry. Part of our job is to help you understand these risks and work with you to find a loan that not only meets your current needs but also fits your long-term financial situation.

Contact us today and let’s discuss your situation.

With 50+ lenders at your fingertips, you have the power of choice

When you set out on your own seeking a loan, banks have the power to reject you. But with us on your side, it’s the other way around. We choose the most suitable loan for your unique needs.

You’re only 3 steps away from your financial goal

Step 1

Reach out to us and let’s discuss your situation and what kind of loan you need.

Step 2

Sit back and relax while we search our network to find the perfect loan for you.

Step 3

Choose the best loan that suits your needs. Then we’ll submit a foolproof loan application to secure your financing.

Why Lend & Loan

10 years of experience

We’ve been doing this for a decade, so we’ve built strong connections with lenders and we know their lending policies inside out. This helps us find the right loans that suit your needs.

One-touch approvals

We know exactly what banks and other lenders require from the get-go. We’re experts at putting together foolproof loan applications that lenders approve without further questions. 


We’re not like your typical 9-5 mortgage brokers. You can reach us when you need us, and we’ll get back to you within four hours.

Efficient processes

We understand that you’re busy, so we keep things simple. We try to avoid in-person meetings to save you time and make the loan process easy and stress-free.

Don’t take our word for it, take theirs.

We’ve helped hundreds of Australians
get approved for a loan and achieve their financial goals. Hear it from our
happy clients.

Looking to make a purchase or investment?

Find out how much you can borrow.

Frequently Asked Questions

For a low doc loan, you typically need to provide alternative proof of income, such as bank statements, an accountant's letter, or a declaration of your income. The exact requirements can vary depending on the lender and the type of loan.

Low doc loans usually have higher interest rates than standard loans due to the perceived higher risk for lenders. However, we’ll work to find the most competitive rates available based on your circumstances.

It’s more challenging but not impossible. Some lenders may consider borrowers with less-than-perfect credit, but the terms might be stricter, and rates higher. Explore your options with us!

The amount you can borrow varies depending on the lender and your financial situation. Generally, low doc loans might have a lower maximum Loan to Value Ratio (LVR), meaning you may need a larger deposit.

The main risks include higher interest rates and fees, potential for financial stress if not managed well, and the possibility of owing more than your property is worth if market values drop.

I help with assessing your financial situation, comparing loan options, guiding you through the application process, negotiating with lenders, and providing ongoing support after the loan is secured.

The timeframe can vary, but low doc loans often have a quicker approval process than traditional loans due to less documentation being required.

We earn a commission from the lender when your loan is settled. This is not deducted from your total loan amount, this is paid by the lender directly for introducing the loan.

We do not charge upfront fees to borrowers. Our earnings come from the lender once the loan is secured. Due to increased demand for our services, we may charge you a fixed fee for Pre-approval as they do require significant resources and time to obtain. Many lenders have moved away from providing pre-approvals as 8 in 10 pre-approvals don’t proceed to purchase.