Low Doc & Alt Doc Loans
Flexible lending for when life doesn’t fit inside a standard form.
Who Are These Loans For?
We work with a broad range of Australians who fall outside traditional PAYG pathways:
Freelancers, sole traders, and contractors
Business owners seeking working capital
Borrowers with recent ABN or GST registration
Clients with prior credit issues, including defaults or bankruptcy
Self-employed borrowers without two years’ tax returns
Borrowers with trading company looking to buy a Residential or commercial security
You might not tick every box—but you’re far from alone. FYX helps you borrow with clarity and dignity.
Features of FYX Low Doc & Alt Doc Loans
Flexible document pathways
Choose how to verify income
Support for imperfect credit
Defaults, arrears, or recent discharge considered
Competitive interest rates
Tailored to your LVR and loan type
Loan types
Principal & interest or interest-only available
Redraw and offset
features with select products
No credit scoring policies
with certain lenders
These aren’t second-tier loans—they’re just different. And we structure them to work for your goals, not against your circumstances.
What Are Low Doc & Alt Doc Loans?
Low Doc (Low Documentation) and Alt Doc (Alternative Documentation)
loans are home loan options for borrowers who can’t meet the full documentation
requirements of traditional lenders—but can still demonstrate their ability to repay.
You may be a strong candidate for a Low Doc or Alt Doc loan if:
- You’re self-employed or a small business owner
- Your financials are up-to-date but non-traditional
- You’ve experienced a business restructure or cash flow fluctuation
- You’ve recently changed industries but have consistent work history
- You have been unable to lodge your tax return but wish to use the income
These loans are commonly used for:
- Home purchase or investment
- Refinancing or debt consolidation
- Equity release
- Renovation or property upgrades
FYX Finance gives you a way forward with documentation that reflects the real way you earn.
Low Doc (Low Documentation) and Alt Doc (Alternative Documentation)
loans are home loan options for borrowers who can’t meet the full documentation
requirements of traditional lenders—but can still demonstrate their ability to repay.
You may be a strong candidate for a Low Doc or Alt Doc loan if:
- You’re self-employed or a small business owner
- Your financials are up-to-date but non-traditional
- You’ve experienced a business restructure or cash flow fluctuation
- You’ve recently changed industries but have consistent work history
- You have been unable to lodge your tax return but wish to use the income
These loans are commonly used for:
- Home purchase or investment
- Refinancing or debt consolidation
- Equity release
- Renovation or property upgrades
FYX Finance gives you a way forward with documentation that reflects the real way you earn.
How FYX Makes It Work
Alt Doc Loan Essentials
To qualify, you’ll typically need:
- 6+ months ABN & GST registration (3 months for professionals – IT developers, Lawyers, Doctors, Engineers etc)
- Declaration of financial position
One of the following:
- 6 months’ business bank statements
- 6 months’ Business Activity Statements (BAS)
- A signed accountant’s declaration
Low Doc Loan Support
These loans are suitable for borrowers with less conventional documentation and may require:
- ABN and GST proof
- Business account transactions
- Income declaration form
- Higher deposit or LVR thresholds (often max 60–80%)
We work with non-bank and specialist lenders to find solutions that are responsible, compliant, and forward-thinking.
What About Credit History?
We know life happens. That’s why our lending panel includes options for:
- Borrowers with non-genuine savings
- Recent credit events or arrears
- Discharged bankrupts
- Low credit score borrowers assessed on merit
Our lenders focus on where you’re heading—not just where you’ve been.
What Are the Costs?
Low Doc and Alt Doc loans may come with:
- Application or establishment fees, which can often be added to your loan (if applicable)
- Valuation and legal costs, just like standard home loans
- Annual fees that come with a full package of Visa Debit, Online banking, and Offset
We’ll always provide a clear summary of fees and conditions up front—so you can make decisions with full visibility.
What Can You Use a Low Doc or Alt Doc Loan For?
FYX Finance: Built for Borrowers Who Think Ahead
We’re not just about getting a loan approved—we’re about getting the right loan for where you’re headed next.
Independent mortgage manager with access to a wide lender network
Non-bank flexibility and private lending pathways
Deep knowledge of commercial markets and business borrowing
Personalised support from first inquiry through to settlement and beyond
Let’s Make It Happen
You’ve put the work in to build your business, your independence, your way of life. Let FYX Finance help you put that work to work—for a home, an investment, or a fresh start that fits your world.
