Low Doc Loans in Australia — Flexible Finance Without the Paperwork

Are you self-employed, a business owner, contractor, or freelancer and struggling to get approved for finance because you don’t have traditional income proof such as payslips or tax returns?

A Low Doc Loan in Australia could be the perfect solution. Unlike standard loans that require detailed financial documents, low doc loans are designed for people whose income may not be straightforward or consistent.

At PB Finance Group, we help Australians secure low doc loans with competitive interest rates, flexible repayment terms, and less hassle. Whether you’re purchasing a home, refinancing, growing your business, or investing — a low doc loan gives you access to finance with simplified documentation.

Who Are Low Doc Loans Designed For?

Low doc loans are ideal for borrowers who don't meet strict mainstream banking requirements. Common applicant profiles include:

• Self-employed individuals and small business owners
• Freelancers, contractors, and gig-economy workers
• ABN holders with 6–24 months of business history
• Non-traditional earners with irregular income streams
• Property investors or entrepreneurs

Instead of payslips or tax assessments, lenders may accept alternative income verification like:

• Bank statements
• BAS statements
• Accountant declaration
• Profit & loss statements
• Rental income documents

Why Low Doc Loans Are Becoming Popular

In Australia, many successful business owners and independent professionals earn well but don’t have standard financial paperwork. Low doc loans offer:

• Flexible income proof options
• Simplified application process
• Fast approvals
• Borrowing options for business and personal use
• Access to both secured and unsecured loan types

Types of Low Doc Loan Options

Based on your financial needs, low doc loans may include:

• Low Doc Home Loan — Purchase your home or investment property.
• Low Doc Refinancing — Switch lenders to reduce interest or repayments.
• Low Doc Commercial Loan — Finance business assets or expansion.
• Low Doc Loan Against Equity — Use existing property as security.

Eligibility Requirements for Low Doc Loans

While requirements vary by lender, borrowers commonly need:

• Australian residency or accepted visa category
• ABN (active minimum 6–24 months depending on lender)
• Evidence of consistent business income
• Acceptable credit history (bad credit options may also exist)

Benefits of Applying with PB Finance Group

As a trusted Australian low doc loan broker, we offer:

• Access to multiple specialist lenders
• Fast processing and flexible options
• Competitive interest rate comparison
• Tailored solutions based on your income setup
• Minimal paperwork and easy documentation support

Interest Rates — What to Expect?

Interest rates for low doc loans may be slightly higher than traditional loans, depending on:

• Security type (secured or unsecured)
• Credit history
• Loan amount and term
• Business age and revenue strength

Many of our clients successfully refinance later to secure lower interest once full documentation becomes available.

How to Apply for a Low Doc Loan

Our streamlined process includes:

• Step 1: Initial consultation
• Step 2: Loan eligibility review
• Step 3: Compare lender options
• Step 4: Submit documents
• Step 5: Approval and settlement

Many applications are approved in **48–96 hours**, depending on the lender.

Apply Today

If you want a simple, fast and flexible way to borrow — a low doc loan could be the perfect option.

📞 Speak with our team today: +61 432 149 186