Alt/Low Doc Loans

Helping the Self-Employed Get the Finance They Deserve

At Vita Finance, we know that not every borrower fits the traditional mold. If you’re self-employed, run your own business, or have non-standard income documentation for a particular reason, getting finance from a bank can be unnecessarily complicated. That’s where Low Doc and Alt Doc loans come in. These pathways when used correctly can make a significant difference to business owners. The goal is to not stay there forever, but to use the pathway as a necessary on-ramp to your success, then when you have your paperwork in order, we make our way to the exit.

These loan options are designed for Australians who might not be able to provide the usual two years of tax returns but are still strong, reliable borrowers. We work with a wide range of lenders who understand how self-employed income works and who assess applications with flexibility and common sense.

Key Features of Alt/Low Doc Loans

  • LVRs Up To 80% Available

  • Flexible Income Verification Options

  • Available for Residential and Investment Properties

  • Some Lenders Offer Interest-only Repayment Options

  • Fast Turnaround Times, With Approvals Within a Few Days!

  • Low Doc (Low Documentation) or Alt Doc (Alternative Documentation) loans allow borrowers to apply for finance without the full suite of financials usually required by major banks. Instead, lenders assess their ability to repay the loan using other documentation, such as:

    1. Consecutive Business Activity Statements (BAS)

    2. Accountant’s declaration

    3. Bank statements showing business income

    These loans are often used for home purchases, refinancing, debt consolidation, or even property investment.

  • Low Doc and Alt Doc loans are a great fit for:

    • Self-employed professionals or business owners

    • Borrowers with recent ABN registrations

    • Clients without recent tax returns or financials on hand

    • Those with irregular income or seasonal cash flow

    If that’s you, we can help.

    • “Low doc loans are only for people with bad credit.”
      Not true. Many borrowers have excellent credit but just lack traditional paperwork.

    • “These loans are risky.”
      When properly structured and backed by experienced advice, these loans can be just as secure as full doc loans — they just take a different path to get there.

Why Work with Vita Finance?

Our team has decades of experience helping self-employed clients get loan approvals that the banks might say no to. We don’t just “submit paperwork”. We guide you through what documentation is needed, match you with the right lender, and advocate for your application every step of the way.

Let’s Talk

If you’re self-employed and struggling to get a straight answer from your bank, we’re here to help. Contact us today for a confidential discussion about your borrowing options and how a Low Doc or Alt Doc loan might work for you.