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Commercial Property Loans

Low-Doc Land & Construction Finance

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Our 5-Star Google & Facebook Ratings reflect clients’ satisfaction, positioning us among Australia’s most trusted mortgage brokers!

Now Build with Less Paperwork

Building with confidence is now possible – even without full financials. How? With VOXFIN! We help developers, builders, and owner‑builders access the best suitable low‑doc land & construction loan options Australia‑wide. Whether it’s a new build, renovation, or vacant land, our low-doc options like low-doc vacant land loans have you covered.

Our expert Property Development Finance team provides end-to-end assistance for multi-entity or large projects to structure lending.

We recommend this as an ideal option for sole traders, ABN holders, trusts, and companies that require faster approvals, but with flexible verification. At VOXFIN, we ensure approvals as fast as within 24 hours!

Why VOXFIN

  • A panel of 40 (banks + specialist non‑bank) lenders
  • Multiple low‑doc pathways, including bank statements, BAS, accountant letters, rental estimates, and lease income
  • Progress‑payment structures that match your build stages
  • Specialist in complex deals, involving GST, trusts, multiple entities, and residual stock
  • No upfront fees
  • Excellent client reviews – 4.9★ ratings on Google and Facebook

Know what you can fund

  • New builds, including small residential projects, individual houses, and duplexes
  • Vacant land purchase, both with or without permits/plans
  • Knock‑down rebuilds, extensions, and major renovation projects
  • Construction for investment property or owner‑occupied

How construction drawdowns work

  • Stage-wise release of funds
  • Interest is paid only on amounts drawn during construction
  • Valuations at key stages that confirm progress

Do you prefer a process with fewer forms?

We do that. The best advantage is that we align your documentation to the lender policy, which means you can move from land to build – all prepared.

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Key Eligibility Parameters for Low‑Doc Options

  • 6–12 months business bank statements or BAS lodgements 
  • ATO position, whenever required
  • Accountant’s declaration
  • Satisfactory project viability – fixed‑price or cost‑plus contract, plans, permits
  • Contingency and evidence of funds to complete

Rates & LVRs

  • Up to 80% LVR on land + construction (higher on case‑by‑case with risk mitigants)
  • Interest‑only during build; switch to P&I on completion or refinance

VOXFIN’s Smart tips

  1. Define the scope early if you want to avoid costly variations
  2. Keep up to 5-10% contingency
  3. Make sure to maintain a clean bank conduct and BAS

What are the low-doc requirements for us to start

  • Land contract/title
  • Building contract & tender
  • Plans & permits
  • Company/trust docs (wherever applicable)
  • ID + low‑doc income evidence (typically, a bank statement/BAS)

Once the process is completed, we will help you with mapping the refinancing pathway so you benefit from a tidy structure and a reduced rate.

Speak with our expert senior construction‑
finance specialist now!

Call VOXFIN

Frequently Asked Questions (FAQs)

Questions and queries related to Low-Doc Land & Construction Loan

What is the maximum percentage I can borrow?
Typically, you can borrow up to 80% LVR on land + construction (policy/lender dependent).
Are the interest rates higher?
Yes, the interest rates are higher. However, pricing improves once you show the initial 6–12 months of clean repayment conduct.
Can I get a 100% construction loan?
No, equity/deposit is required. Equity‑in‑land/guarantor can help you cover shortfalls.
What if I don’t have full financials?
That’s never an issue with low‑doc options because they accept BAS, business bank statements or an accountant’s letter. Our job is to match you to lenders who accept your documentation.
What are the documents that banks require?
Banks typically require documents like low‑doc income (bank statements/accountant letter/BAS), ID, ABN, building contract, and plans/permits.
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Can I get land-only now and add construction later?
Yes. Many lenders do this. You can split it into two approvals. We will help you secure land now and line up a construction or refinance pathway once everything is finalised – your builder, costs, and plans.
Can I include contingency and variations?
Yes, most lenders expect a contingency, which is often 5–10%. We will help you by structuring this into the facility where policy allows.
Do owner‑builders qualify for low-doc land and construction loans?
Specialist lenders often consider them with tighter LVRs and extra evidence of experience and cost control.
What if I am a developer?
Yes, even small or mid-sized projects can be funded via Property Development Finance or specialist lenders.
Will I still be able to get low interest rates?
Generally, low‑doc rates are higher than full‑doc rates. However, we place you with the sharpest policy and plan a refinance post‑build.

Get a Free Consultation

info@voxfin.com.au

03 70652000|0435 393 623

The best commercial mortgage brokers in Australia will guide you. Expert commercial mortgage brokers at VOXFIN analyse your business and cash flow to find tailored solutions for your unique business needs.

We are committed to being with you at every step of your commercial loan process. We keep your best interests ahead of everything by providing solutions powered by solid industry expertise and deep financial knowledge to help you make an informed decision. We work with you to simplify the borrowing process and get you the lowest interest rates on your commercial loan with the simplified loan process.

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    What Our Customers Say

    Gurdeep Kumar at VOXFIN is a great professional and has deep financial knowledge. He helped me purchase my property under an SMSF. Gurdeep is an expert in SMSF property loans. As an investor, I know SMSF property loans are a lengthy process. From start to settlement, the process was well-informed. Highly recommend Gurdeep Kumar and it’s team at VOXFIN.

    - Ketan Patel

    Thanks to Gurdeep, He is an extra ordinary knowledgeable person with complete grip on ongoing market situations. I sought help from him and he has gone an extra mile.
    Highly recommended.

    - Haris Khan

    VOXFIN is awesome! Gurdeep is super helpful and knows his stuff. He made the whole process simple and guided me step-by-step with great advice. He got me the lowest rate for my land and construction home in Brisbane. Highly recommend Gurdeep and VOXFIN for home loans and financial needs

    - Maria Thomas

    VOXFIN is the best! Gurdeep is friendly, knowledgeable, and made everything easy to understand. He got us an amazing rate for our land and construction home in Brisbane. Couldn’t have done it without him! Five stars all the way!

    - Shino Varghese
    Gurdeep at VOXFIN is fantastic! He helped me get a personal loan with the lowest interest rate, making the process smooth and stress-free. Gurdeep is quick, efficient, and highly professional. Highly recommend VOXFIN for personal loans in Melbourne!
    - Aditya Mushnuri

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