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ALT DOC.Discovery category only — not a statement of eligibility, lender access or product availability.
What we understood
Low-Doc Loans requirement and reduced documentation.
- Finance type
- Low-Doc Loans
- Amount
- Not stated
- Purpose
- Not stated
- Location
- Not stated
- Security
- Not stated
- Borrower
- Not stated
- Timing
- Not stated
- Documentation
- Low
- Indicative LVR
- Not stated
Possible funding pathways
OZY-assistedIndicative pathways for human review — not lender recommendations.
Non-bank
Non-Bank Commercial Finance
Strong potentialFlexible servicing and property assessment where bank policy or timing does not fit.
Non-bank
Non-Bank Commercial Finance
Key considerations
- Alt-doc and lease-doc servicing approaches may be considered
- Pricing generally sits above bank debt
- Broader appetite for transitional or complex scenarios
Likely documentation
- BAS or business bank statements
- Accountant's letter (where applicable)
- Rental or lease evidence
- Valuation
Typical timing
Often faster than bank finance; varies by lender and valuation turnaround.
Non-bank
Low / Alt-Doc Commercial
Strong potentialServicing verified through BAS, bank statements or an accountant's declaration rather than full returns.
Non-bank
Low / Alt-Doc Commercial
Key considerations
- Pricing usually above full-doc equivalents
- LVR may be moderated for lighter verification
- Suits self-employed or borrowers with incomplete financial years
Likely documentation
- 12 months' BAS
- 6–12 months' business bank statements
- Accountant's letter
- Valuation
Typical timing
Comparable to non-bank timeframes; varies by lender.
Private credit
Private Commercial Mortgage
Potential pathwaySecurity-led, short-term funding where speed or complexity rules out conventional lenders.
Private credit
Private Commercial Mortgage
Key considerations
- Assessment weighted to security value and exit credibility
- Interest may be prepaid or capitalised — model net proceeds, not the headline limit
- Higher all-in cost; suited to executing a defined plan
Likely documentation
- Title and existing mortgage details
- Evidence of the proposed exit
- Valuation
- Statement of position
Typical timing
Can move quickly once valuation and legals are in hand; subject to due diligence.
Bank
Major / Bank Commercial Finance
Worth assessingTerm commercial debt where servicing, documentation and policy fit are demonstrable.
Bank
Major / Bank Commercial Finance
Key considerations
- Full financials and serviceability generally expected
- Typically the lowest-cost long-term debt where policy fits
- Approval timeframes are usually longer than non-bank or private options
Likely documentation
- Two years' financials and tax returns
- Lease schedule or rental evidence
- Asset & liability statement
- Valuation (lender-ordered)
Typical timing
Commonly several weeks from application to settlement, varying by lender and complexity.
What may matter
- Security type, valuation basis and priority position shape the advance available across all lender classes.
Not yet stated: Amount, Purpose, Location, Security, Borrower, Timing, Indicative LVR. Adding these sharpens the pathways — or run a new search.
Relevant OzyLoans finance guides
Human review
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Our finance team can review your requirements and objectives, consider the available funding pathways and discuss the options that may be worth pursuing.
General information only — this does not take your objectives, financial situation or needs into account and is not a credit assessment or approval. Credit Guide
Pathways are lender classes, not lender recommendations. All finance is subject to lender assessment. OzyLoans may receive commissions from lenders — see our Credit Guide. Credit Guide