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Low doc finance can be an ideal solution for businesses that have encountered issues with lending through a bank. Hodgestone Finance has helped many such businesses with our low doc loans, including a successful ACT-based builder that faced problems with their bank, despite having been a loyal client of the bank for over 15 years.

Recent regulatory changes regarding investment lending meant that the client’s annual review with their bank was unsuccessful, forcing them to suddenly refinance approximately 30 properties that they had originally financed through the bank.

Hodgestone Finance was able to assist when the client was suddenly left without reliable financing. By using eight different low doc lenders from around the country, Hodgestone Finance enabled the client to exit the bank and gain a total of $25,000,000 in loans.

Thanks to the variety of low doc financing options available through Hodgestone Finance, the client was able to continue trading, avoided being put into receivership and retained their impressive property portfolio that they had spent years building.

Case Studies
Low Doc Lenders Best

Best Low / No Doc Lending

What are low doc loans?

Low doc loans are loans taken out by borrowers without the requisite documentation for standard or ‘full doc’ loans. These documents include tax returns, financial statements and any other proof of income documents, and it’s often banks that utilise these stringent document requirements.

If you’re missing these items, you can simply provide us with a Business Activity Statement and an accountant’s statement, and we can begin the process to securing a low doc loan. For a more comprehensive checklist for self-employed applicants, call Hodgestone Finance.

Who needs a low doc loan? Should I get a low doc loan?

Low doc loans are the best, and often only option available for a number of people, including:

  1. Self-employed sole traders
  2. Investors
  3. People without regular PAYG income

What is no doc lending?

No doc lending is a bit of a misnomer in the modern finance market – a better term would be a “non-conforming” applicant loan.

This is a loan option to people who do not conform to the stringent requirements set by most banks – opening up finance options for people with ABN’s under two years, developer without a 100% debt coverage in pre-sales and anyone with a poor credit history. These loans usually come from non-bank alternatives and private lenders.

Low Doc Private

Private Low Doc Lenders

What is a low doc / no doc lending broker?

A low / no doc lending broker is a person or company who brokers – that is, negotiates and locks down – a non-conforming or low doc loan on your behalf. Hodgestone Finance is one such example. We have established relationships with banks and private lenders across Australia, and offer competitive no and low doc loans for our clients.

What are the benefits of using a low / no doc lending broker?

There are many benefits to utilising the services of a broker, including:

  1. Their specialist financial knowledge means they’re better equipped to find the best loan agreements for you
  2. Their established relationships/contacts with a range of lenders can make the process of locking down a loan much faster.
  3. With a professional handling your loan research and applications on your behalf, you same time and stress.

What are private low doc lenders?

Private low doc lenders are non-bank finance options for people lacking full income documentation. Most banks require full documentation with many of their loans, and looking outside banks to private lenders, investors and financial experts can yield competitive results

If you’re a sole trader or lacking a regular PAYG income, private low doc lenders might be the option for you. Call today to speak to Hodgestone Finance – we work with a wide network of private lenders, and can find a great loan agreement for you without the need for tax returns & other documentation.

Best Low Doc Lenders No Doc Lending Calculator

Best Low Doc Lenders

How do I find the best no doc lending?

Having a clear understanding of your needs, with as specific a breakdown of where the funding will go, will help a lending specialist like Hodgestone Finance identify the best options to link you with.

Whether this is written out or discussed in a consultation meeting with a loan expert like Hodgestone, this provides two functions – it makes it a safer bet for lenders if they know where, when and what you’re putting the money towards, and it can also help a broker like us pair you with the most suitable option.

Things to consider before looking into low doc lending.

Before you jump into a low doc arrangement, particularly for fast turn-around property investment loans, it’s worth thinking about getting:

  1. Stringent Research and Investment Analysis
  2. Independent Valuation Analysis
  3. Location and Demographic Analysis
  4. Full Quality Assurance ensuring your purchase requirements are met without compromise

Being mindful of these things ensures that you aren’t caught out and ensure you get the right loan for you. These are all services that the Hodgestone Finance team can provide as we’re finding a low doc option for you – so make sure you take us on as your loan broker.

Low Doc Lenders

Hodgestone Finance Low Doc Rates

What are Hodgestone Finance’s low doc loan rates?

To see an up-to-date list of our current loan rates, look to our rates sidebar on our right or call Hodgestone Finance today.

Should I get a fixed rate or variable rate low doc loan?

That really depends on your particular situation, the loan amount you’re asking for and whether it’s a long or short term loan. The best way to figure out what to ask for is by speaking to a professional financial consultant and broker like Hodgestone Finance.

Low Doc Property Loan

Low Doc Commercial Lending

Are you looking to take out a commercial property loan or real estate loan but you lack some of the documentation required by the banks? These are just some of the reasons to come to Hodgestone Finance for a low doc commercial loan.

Offering great rates on fixed and variable loans, and advice throughout the whole process, Hodgestone Finance is the place to go for low doc commercial loans in Melbourne and all major Australian cities.

What is low doc commercial finance?

Low doc loans are taken out by borrowers without the requisite documentation for standard or ‘full doc’ loans. These documents include tax returns, financial statements and any other proof of income documents. If you’re missing these items, we can begin the process of low doc commercial lending.

Low doc loans are the best, and often the only option available for a number of people, including:

  1. Self-employed sole traders
  2. Investors
  3. People without regular PAYG income
  4. Those seeking urgent/fast loan approval without the time to collect all relevant documents

As well as low doc loans, you may have heard of no doc loans. No doc commercial lending is a bit of a misnomer in the modern finance market. A better term would be “non-conforming”, and this refers to finance options for anyone who does not conform to the stringent requirements set by most banks.

As well as people with limited documentation, this includes options for those who have had their ABN for less than two years, developers without 100% debt coverage in pre-sales, and anyone with a poor credit history.

How do I get a low doc commercial loan?

To secure a low doc commercial loan, you will need to provide us with a Business Activity Statement and an accountant’s statement.

Hodgestone Finance can put you in the best position to lock down a competitive loan. Our established connections with private lenders (who often have less stringent application policies than banks) mean there’s an option out there that’s right for you.

Available Commercial Low Doc Loans

Hodgestone Finance specialises in low doc commercial lending in Brisbane, Melbourne, Sydney, and major cities across Australia. The commercial low doc loans we offer include:

  1. Low doc property finance
  2. Low doc business finance
  3. Low doc construction loans

Other Personal Low Doc Loans

The personal low doc loan options we offer include:

  1. Low doc home loans
  2. Low doc lending for personal loans

Make an online enquiry now with Hodgestone Finance or call us on 1300 463 439.


Consulting and broking services provided by Hodgestone Finance do not constitute a guarantee on the loan itself when arranged with a third-party (whether bank or non-bank) and we do not accept responsibility for any failure for lenders to deliver on the outlined terms.


Got questions about Commercial Loans? We can help.

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Client Testimonials


The knowledge around Commercial Property & the customer service at Hodgestone is the best you will get. I was really struggling to get a Commercial Loan & Hodgestone came to the rescue with a great solution.


Tristan M


I was overly happy with how quick Hodgestone had my Home Loan approved, it was settled in three weeks of contacting them! I could organise my wedding, renovate my house & buy a new car thanks to Daniel & Alex. Great work Hodgestone.


David B


I was at major risk of losing my block of Land, I had a week to settle to avoid this. I contacted Hodgestone, who structured my loan with a private lender and it was settled 4 days later! I highly recommend Hodgestone to everyone.


Anup B


We have been dealing with Hodgestone for many years now & we are more and more impressed every time we have a new deal for the team. Hodgestone are the best we have come across when it comes to Low Doc lending.


Scott & Vanessa


The situation we brought to Hodgestone Finance was very complex & it was dealt with in a very professional & timely manner by the team, we are so glad we found Hodgestone to help with our Short-Term lending. A better fit would be hard to find!


Lavinia R