No payslips. No tax returns. No full financials. Access business funding secured against your property — approved based on asset equity, not income proof.
A no-doc (no documentation) loan is a private loan secured against property where the lender does not require proof of income, payslips, tax returns, or full financial statements. Approval is based primarily on the equity in your property and your ability to exit the loan.
No-doc loans are ideal for self-employed borrowers, business owners with complex income structures, contractors, and anyone whose financial situation doesn't fit a standard bank template.
Blue Vista Capital has been arranging no-doc finance for over 10 years, with access to 45+ private lenders who specialise in asset-based lending across Australia.
No recent tax returns? Complex business structure? No-doc lending doesn't penalise you for running your own business.
Need working capital, equipment, or stock funding fast? Use your property equity without having to justify every line of your P&L.
Variable income that banks can't compute? Private no-doc lenders understand irregular income patterns.
Multiple properties with complex depreciation and rental income? We find lenders who understand the reality of property investment.
Less than 2 years of business financials? Banks will decline. Private no-doc lenders focus on your asset position instead.
If a bank or non-bank lender has declined you due to income documentation, a no-doc private loan may be the right solution.
Yes. No-doc private mortgage loans are legal in Australia when they are for business or investment purposes. Consumer-purpose lending is subject to responsible lending obligations under the National Consumer Credit Protection Act, but business-purpose private lending operates under a different framework that allows asset-based assessment.
Typically: identification documents, details of the security property, a summary of your loan purpose, and an explanation of how you intend to exit the loan (repay or refinance). No payslips or tax returns required.
Yes, in many cases. Private no-doc lenders focus on property equity and exit strategy. Bad credit, defaults, and court judgements do not automatically disqualify you.
No-doc private loan rates start from 7.99% p.a. and vary based on LVR, property type, loan term, and credit situation. Rates are higher than standard bank loans to reflect the additional flexibility offered.
Same-day response. No credit check to enquire.