Low Doc, No Doc & Non-Bank Lending… Without The Runaround
If the banks say “computer says no”, we help you find a way forward.
Chinoz Finance Australia specialises in low doc, no doc and non-bank lending solutions for investors, self-employed borrowers and property developers.
- Low Doc & No Doc options for self-employed
- Non-bank & private lenders for complex deals
- Solutions for investors, refinancing & development
- Friendly guidance from people who actually understand property
What We Specialise In
We focus on flexible lending options when traditional lenders say no or move too slowly.
Low Doc Home Loans
Loans using alternative income verification like BAS, bank statements or accountant letters – built for self-employed borrowers.
No Doc / Alt-Doc Loans
Solutions where traditional full documentation isn’t available. Higher risk, but sometimes the only way to move forward.
Non-Bank & Private Lending
When speed and flexibility matter more than shaving 0.10% off the rate. Ideal for bridging, short-term and complex deals.
Development & Construction Finance
Funding for land banking, subdivisions, house-and-land, duplexes and small to medium development projects.
How It Works
Quick Chat
We start with a short conversation about your situation, goals and timeframes. No jargon, no judgment.
Strategy & Lender Match
We review your documents, run the numbers and recommend options – including low doc, no doc and non-bank alternatives if needed.
Approval & Settlement
We manage the process with the lender and your other professionals so you can get on with life and business.
Why Clients Choose Chinoz Finance
Property-First Thinking
You’re dealing with people who are actively involved in property and development, not just paperwork.
Plain-English Advice
We explain your options so you can make confident decisions without needing a finance dictionary.
More Flexible Options
Access to a panel of lenders including non-bank and private funders for complex or time-sensitive scenarios.
Long-Term Relationships
We aim to be your finance partner across multiple projects and stages – not just a one-off transaction.
Quick Answers to Common Questions
What is a low doc loan?
A low doc loan is a home or investment loan where you verify your income using alternative documents rather than full tax returns, such as BAS, bank statements or an accountant’s declaration.
Are low doc and no doc loans more expensive?
They can be. Lenders price risk, and because they have less documentation, they often charge higher rates or fees. We help you weigh up whether the benefits outweigh the cost.
Do you only work with clients in Queensland?
We’re based in Queensland, but may be able to assist clients in other states depending on the scenario and lender policies.
Ready To Talk To Someone Who Gets It?
Whether you’re self-employed, investing, or working on a subdivision or build, we’ll help you see what’s possible and what lenders are likely to say “yes” to.