Low Doc Loans

Apply for low doc loans with Funding! We have loan products with minimal document requirements and fast approvals. Receive settlement within days, not weeks.

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Build a bridge with our funding solutions

Bridging Loans

Short term loan secured against your existing property as a financial bridge

  • Buying and selling your property
  • Urgent settlements
  • Cash out / equity release
  • Upsizing and downsizing
  • Personal loan

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Business Loans

Access capital for your business when you need it or purchase a business or property

  • Investment / business purposes
  • Share purchases
  • Business cash flow / debt consolidation
  • Companies / individual borrowers

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Building Loans

Flexible and fast building loans to complete an incomplete development or building

  • Development / construction finance
  • Renovations / incomplete construction
  • Land bank and residual stock
  • New builds / owner builders

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Low Doc Loans

At one point, you might find yourself in need of financing. However, if you’re a self-employed individual or small business owner, it might be difficult to meet certain requirements when applying for a loan. Fortunately, low doc loans are becoming more common, and they require less documentation to prove your financial capabilities, allowing you to get the funding you need more easily.

At Funding, we guarantee a straightforward loan application process that won’t have you feeling overwhelmed with all sorts of papers and requirements, as our goal is to be the home of faster and simpler digital mortgages. 

We’ve been making our way towards that goal since 2015, and we’re only continuing to grow from here to better serve your needs.


Is it difficult to get a low doc loan?

At Funding, we offer loans requiring minimal documentation, which makes us a great option for non-traditional income earners as long as they have an eligible property to put up. Unlike most traditional lenders, we won’t require you to present any proof of income as your loan security is found in the property you use as collateral. 

We make applying for low doc loans fast, simple, and easy. Individuals, companies, and trusts can receive financing from us if they meet the specific eligibility criteria. Borrowers must have sound real estate to put up as security, must be able to meet all their repayment schedules, and must be able to exit the loan with a strong repayment strategy.

To apply for a low doc loan with us, you can start by getting an Express Quote, which contains all the relevant information for your unique loan scenario. By doing this, you’ll also get same-day conditional approval, and if you wish to proceed with your loan, wait for the formal approval as we do our due diligence. Once approved, you’ll have the settlement in your bank account in as little as a few days, not weeks.

You’ll only need to input the following information during your loan application:

Basic personal information (name, email, phone number)

Loan details (purpose of the loan, loan principal, loan repayment terms)

Property information

At the end of the application, you’ll have the option to upload any files you may think are relevant to your loan application. Once you’re done filling everything out, check all the information you’ve entered to ensure everything is accurate and that you haven’t missed anything, as this will help expedite the processing.


Do I need a deposit for low doc loans?

Deposit requirements vary from lender to lender. It’s best to look for a loan company that is transparent with the fees involved in your loan application. 

When you receive your same-day conditional approval with Funding, we also provide an outline of applicable fees and rates, so you can proceed with your low doc loan application with all the relevant information. 

Our loan principals range from $20,000 to $10 million, and we offer loan periods of one to thirty-six months. The total loan amount will depend on your principal, your low doc loan interest rate, and your loan tenure. Your principal, on the other hand, depends on your secured property.

For the security of your loan, you will put up Australian real estate as deposit collateral. The loan-to-value ratio, or LVR, is dependent on your property’s location and the type of property you put up. We accept residential, commercial, and vacant lands as collateral for loans like low doc loans, bridging loans, home equity loans, and more. If you’re applying for a bridge loan, you can send us your details to view personalised bridging finance rates – no need to use a random bridging loan calculator online.


What can a low doc loan be used for?

A low doc loan can be used for a multitude of purposes. You’ll find that we offer many different loan products such as caveat loans, short-term business loans, renovation loans, debt consolidation loans, and more. When you’re applying for any type of loan, you typically let the lender know the purpose of the loan, and that’s how it goes for us as well. 

In short, you can use a low doc loan for anything as long as you state the purpose of your loan during your application, as this is a significant part of your loan application approval. If you have any questions or concerns regarding any of our loan products, feel free to reach out to our customer service team on our website, through email at info@funding.com.au, or by giving us a call at 1300 44 33 19.


With Funding, you can easily enjoy low doc loans!

One of the biggest hindrances for freelancers, self-employed individuals, small businesses, or those with non-traditional income streams is that lenders tend to require them to present proof of income – you won’t have that problem with us. At Funding, we take a common sense approach to lending, as we know every individual and company is different.

As part of our common sense approach, we never compromise on your security. At Funding, our industry experts not only work hard to get you the best deals but also provide bank-level encryption and security to protect your information with the latest technology.

Get an Express Quote with us today, and enjoy our low doc loans with a simple and easy online application anywhere in Australia.

How to get started


Get started

Forget slow and frustrating banks. We put you in the fast lane. Get started now or call 1300 44 33 19.


Get approved

Same day approval. Yes, you read that right. Conditional approval provided the day you submit.


Formal approval

Conditional approval becomes formal approval once due diligence is completed and you sign your loan documents.



Not months. Not even weeks. Just days and in as little as 48 hours settlement can be arranged.

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Don’t take our word for it.

“Funding organised a bridging loan for my client in less than a week!! No other lender could have done this and you saved my clients deposit being lost. Great result.”

Scott Vine


“We approached Funding several months back as an alternative to our normal banks, and dealt with John from day one. From the start, the transparency was there, we knew pretty much at every point what was happening…..”



“Amazing Service! We were able to turn around a deal in 2 days so the client could settle on their dream home. Nathan worked tirelessly to get this across the line and make it a smooth experience for myself and my client. Highly Recommended.”

Sandy Kelso


“The team at Funding have been great to work with. The funds have been made available quickly and without fuss. We are about to start another project and will happily use Funding again”

Kerin Friswell


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