Not every borrower fits neatly into a bank’s lending criteria.
For self-employed professionals, property investors, or those with complex income structures, gathering extensive documentation can be slow, frustrating, and sometimes impossible. That’s where low doc and no doc loans offer a smarter way forward.
What Are Low Doc and No Doc Loans?
- Low Doc Loans – For borrowers who can provide some form of income verification (e.g., BAS statements, accountant’s letters, or bank statements) but not the full suite of financials a bank might require.
- No Doc Loans – For situations where traditional income verification isn’t possible or relevant. Approval is based on the strength of the security and the borrower’s exit strategy rather than detailed financial records.
Who Uses These Loans?
- Self-Employed Borrowers – Business owners who reinvest profits or have irregular income patterns.
- Property Investors – Those with multiple assets or complex income streams.
- Borrowers Needing Fast Approvals – When timing is critical and bank processes are too slow.
Why Choose AMF for Low Doc & No Doc Lending?
- Fast Approvals – Decisions in days, not weeks.
- Flexible Criteria – We look at the big picture, not just paperwork.
- Private Capital Advantage – Direct access to decision-makers.
- Tailored Solutions – Loans structured around your needs and timelines.
Common Uses
- Urgent property purchases or settlements
- Refinancing to release equity
- Bridging finance between property transactions
- Development or construction funding gaps
Transaction Example
An experienced property investor sees a prime opportunity to purchase a high-value residential property but needs to settle in two weeks. The bank requires months of income statements and tax returns, causing delays. AMF structures a low doc loan based on security and exit strategy, settling the deal on time and securing the investment.
If the paperwork is slowing you down, talk to AMF about our low doc and no doc lending options today.