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A Low Doc (Low Documentation) Loan is a mortgage designed for borrowers who may not have access to the standard financial paperwork required by most banks — like payslips or tax returns. Instead, lenders accept alternative documentation such as BAS statements, bank statements, or an accountant’s letter.
Low doc loans are ideal for:
We work with over 35 lenders — including banks, non-bank lenders, and those that specialise in low doc and alt doc solutions.
We know how to package your application with the right documents, so you don’t waste time on knockbacks.
Got a new ABN or inconsistent tax returns? We’ll help find options that don’t require full financials.
Whether you’re purchasing your home, buying an investment property, or refinancing to free up cash flow, we’ll tailor the right loan product.
Instead of payslips and tax returns, lenders may accept:
Some lenders may require one, others may need a combination.
You may qualify if:
💡 Tip: If your business is newer or your credit score is lower, we’ll guide you through specialist lender options tailored to your profile.
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We can not thank the Triple 0 finance team enough for their help in securing our dream home. Special shout out to Nish and Ash for their dedication, open communication and support throughout the loan application process. From day one, we knew we were in safe hands. Every time we raised a concern, they had a solution. Nish and Ash made the whole process run smoothly and secured us a fantastic rate considering the current climate. Thanks guys!
We found Ash and Triple O Finance Team through an online platform.
Ash set up an interview with me and obtained all our financial requirements and objectives.
The Initial application was for refinance of our family home for a better interest rate and some debt consolidation. Ash and his Team reviewed our application and provided us with a very competitive interest rate along with the cash back offer.
We recently worked with Triple O Finance for our mortgage needs and what a pleasure it was. Nishant is highly knowledgeable and guided us flawlessly throughout the process. During our initial call he was meticulously prepared and clearly understood our requirements. He walked us through all the options with a clear thought process and helped us choose the best option for our needs.
I recently had the pleasure of working with Nishant and Jill from Triple O Finance to purchase my house, and I couldn’t be happier with the experience. Nishant went above and beyond to ensure a smooth and successful transaction.
By our personal experience, we highly recommend Triple 0 Finance for all your loan and financial needs. Nishant and their team are exceptionally knowledgeable and adept in their fields, offering a wide range of the latest financial products. From the moment we reached out to Nishant Ramavat at Triple O Finance, his proactive and genuine guidance has continuously impressed me. Without Nishant’s assistance, obtaining a home loan and taking a step closer to realizing our dreams would have been much more challenging. Thank you so much Nishant – Manoj & Tejaswini from N.T
I have had the pleasure of working with Triple O finance since a few years. Ash and Jill have always provided a top-notch service. I have recommended them to a few of my family and friends, and they have been very happy with the service as well.
Happy with the service although settlement short falls need to be better anticipated/managed and better awareness of Bank Holidays when requesting attendance to bank branches to make payments. This unplanned activity was quite disruptive to my day as I was with clients, fortunately my manager was able to cover for me to some extent.
