17/06/2025
As demand for alternative documentation (low doc) loans continues to surge across Australia, the latest Australian Broker article sheds light on a growing opportunity for brokers and non-bank lenders alike. Among the key voices in the conversation is Darren Liu, Co-Founder and Managing Director of Sydney-based non-bank lender FINSTREET, who emphasised how low doc loans are stepping in to solve problems traditional banks increasingly won’t touch.
Low doc lending has found its niche among self-employed Australians, expats, and borrowers with complex financial structures, all groups facing growing hurdles under tightened bank lending criteria. Instead of relying on two years of tax returns and financial statements, low doc solutions make use of business activity statements, business bank accounts, or an accountant’s declaration. This streamlined approach enables faster approvals, even in scenarios where serviceability, ownership structures, or property types complicate a standard application.
Darren Liu explained that many clients come to FINSTREET after hitting roadblocks with traditional lenders. “First, the customers try with the banks, but the banks oftentimes wouldn’t do those transactions,” he said. “So then the borrower comes to us for a solution.”
This borrower-first focus is exactly what makes FINSTREET’s low doc lending options so effective. Liu pointed out that brokers are increasingly looking at FINSTREET’s offerings as the next step when clients face rejections elsewhere. It’s not just about saying yes, it’s about understanding the borrower’s whole story and creating a path forward.
“Brokers see it as an alternative option,” Liu added. “They’re turning to lenders like FINSTREET because we understand the self-employed and are structured to support them.”
With Australia’s self-employed population growing and regulatory pressure from the ATO tightening income documentation requirements, demand for flexible lending is only expected to grow. FINSTREET’s low doc products are designed specifically to meet that need, giving brokers a trusted option to help their clients move ahead.
Unlike traditional banks that might treat complexity as a red flag, FINSTREET thrives on it. Whether it’s multiple income streams, unusual employment types, or layered ownership structures, Liu and his team are focused on fast, transparent, and responsible lending that works with real-life scenarios.
At FINSTREET, low doc lending isn’t just an add-on, it’s core business. The lender’s low doc solutions are crafted for today’s borrowers: agile, flexible, and built for speed without cutting corners.
With turnaround times that meet modern expectations, and a deep understanding of self-employed borrowers, FINSTREET partners with brokers to provide competitive solutions for scenarios that banks often reject.
If you’re a broker looking to expand your offering or a borrower in need of a smarter solution, FINSTREET’s low doc lending products may be exactly what you need.
