Rise High Financial Solutions

header logo of Rise High - Award-winning mortgage Brokerage Adelaide

(08) 7131 1149

Access the right finance...

...as a self-employed worker or freelancer!

At Rise High we understand that not everyone will satisfy the standard requirements for most home loan applications.

As your mortgage broker, we find it rewarding to say YES! Even when most banks would probably say no.

With low doc loans we can help you access the finance you need to achieve your dreams and goals.

Debt-free clients celebrating
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We are here to help you find the right loan that provides a balance of features and flexibility, whilst being as cost-effective as possible.

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Understand Low Doc Loans

What are they and how do they work? Learn everything you must know about getting the right finance

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How much can I borrow with Low Doc Loans?

Understand your financial circumstances and work with our team to secure your loan

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What is a Low Doc Loan and what documentation is required to secure one?

If you are self-employed, most lenders will generally require you to provide 1-2 years of final accountant-prepared financials and tax returns to prove your income. Low Doc loans, however, allow you to apply for a loan without your financials and tax returns and offer the opportunity to provide an alternative form of verification to demonstrate your income. For example instead of providing financials you could provide:

  • Your last 12 months bank account statements for your business trading account
  • Your last 12 months BAS statements
  • A signed declaration from your accountant confirming your income

Most lenders will also require you to have an ABN which has been active for more than 2 years and be registered for GST. A clean credit history also helps to secure competitive Low Doc loan options.

Rise High client Delia with Managing Director and Mortgage broker Marissa Schulze

How do Low Doc Loans work?

Low Doc Loans are considered high-risk by lenders and as a result, they often require larger deposits or include higher interest rates than the average home loan or investment property loan.

Your Rise High Mortgage Broker will be there to work with you, comparing and evaluating your options to support you in making the right financial decision.

Are you looking to improve your financial position?

Receive curated content to educate and empower you so you can develop a healthier relationship with money!

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Assessing your personal circumstances

Before we start comparing lenders and options, it is important to understand your personal circumstances, what kind of documentation we will need, and how much you can afford to borrow

Your borrowing capacity can often change and will depend on various factors including how much you earn, what your living expenses are, and your credit history.

Our team of Mortgage Brokers can help you make an initial assessment of your circumstances, including how much you can afford to borrow, to make the right decisions and get the right finance option for your needs.

If you have any existing debt, we can also review your finances and assess your options to pay it off sooner through refinancing or debt consolidation.

Our clients love us
as much as we love them

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Rise High client Nick

"They're all magicians!"

I think this is my 13th loan arranged through Rise High (it could be more). The team has always put my goals first and explored every lender policy to ensure that I'm not just able to achieve my objectives, but to get a great deal more than I ever thought possible. No wonder Rise High takes out just about every top award, every year. They're all magicians! There is simply no more nightmare of uncertainty, and their ethics is unparalleled. From 26 year of personal history in the property market, I couldn't offer any broker a higher commendation!

Nick Hart

Client since 2012

Rise High client Claudine

"These guys are faultless!"

These guys are life changers - honest, warm and they get results! Thankyou James & Team for making this a perfect experience for us - we can't recommend you highly enough!

Claudine Innes

Client since 2019

Rise High client Ceci

"Highly recommended!!"

RHFS helped us when we decided to buy our first house, and recently with refinancing our home loan. Thuy and Isabella did an amazing work and just leaving us to make the decision with a lot of useful information. Thanks for everything you have done for us, Thuy and Isabella and, of course, Rise High Financial Solutions.

Ceci Mantilla

Client since 2019

Rise High Client Ly

"Always on the ball"

We are long-term clients of Rise High and would highly recommend them. Over the years, James and his team have always been helpful and efficient. Karyn has helped us with our most recent loan and she has been fantastic. The team has always been able to work to our needs and timelines, they’re always willing to help, always on the ball and have a great can-do attitude.

Ly Nguyen

Client since 2018

Rise High client Phoebe

"Very Pleased!"

A HUGE thank you to Nhi & Bryan on the Rise High Financial Team, for their fantastic work. My husband and I have been engaging Thuy and her wonderful team since purchasing our first home back in (2011). Nhi & Bryan, we cannot thank you enough for all your staunch effort, fantastic communication and positive customer service in helping us secure our first investment property. Very Pleased! Thank you.

Phoebe Kavanagh

Client since 2013

Rise High client Daniel

"Expertise and professionalism"

Our experience with Rise High was amazing. The process ended up being so much simpler than we had thought thanks to their hard work. The expertise and professionalism they showed meant that it was one less thing for us to worry about. We were kept updated all the way and we're so happy to now be in our new home. We would highly recommend Rise High for anyone looking for these services.

Daniel Goldsworthy

Client since 2021

Rise High client Rachel

"have your interests at heart"

James and the team at Rise High were amazing. This was my first time getting a home loan, whereas for my partner has gone through the process with Rise High several times. I must admit I was a little nervous and heard of many bad experiences with other companies but this was certainly not the case. It was so easy, the team led us through the documents they needed and answered all my questions quickly, the whole process was absolutely seamless. James provided us with the best options so quickly and within 10 days we had approval. Pretty unheard of in this market at the moment, just goes to show with the right team anything is achievable. I would highly recommend Rise High to anyone who is looking for a mortgage broker who is trustworthy, reliable and who have your interests at heart.

Rachel Kim

Client since 2022

Rise High client David

"got me the best loan I am eligible for"

I had a great experience with Rise High Morgage Brokers. They saved me a lot on my loan and I am confident they got me the best loan I am eligible for. They communicated with me every step of the way and made the process really easy. Thank you

David Gill

Client since 2021

Rise High client Georgie

"No question is too complex"

The Rise High team are absolutely on point with everything. Their communication is 11/10. I've refinanced with them twice now and on to my 3rd loan. Each time I have been informed of every step along the way and kept in the loop with everything. No question is too complex. I've referred family and friends to Rise High and will continue to use them in the future!

Georgie Feronas

Client since 2018

Rise High client Rob

"Knocked this one clean out of the park"

I can't rate Rise High Financial Solutions highly enough. When dealing with banks and conveyancers and navigating the sometimes convoluted pathways to property ownership it's important to have expert advice and motivated staff in the form of the team at Rise High 'batting for you'. Thank you so much, you knocked this one clean out of the park. Rob 😊

Rob Allen

Client since 2007

Other Frequently Asked Questions:

Still looking for an answer? Here are some common questions and topics you might want to explore when looking for a low doc loan:

  • Low doc owner builder loans
  • Low doc loan interest rates 
  • Low doc loans for investment property
  • Low doc loans for self-employed applicants
  • Low doc loans for cars

Ready to find out more?

Our award-winning brokers are always here to support you in achieving your financial goals. With a fee-free service, complimentary loan reviews that save you money, and regular updates and communications, you can always be confident to have a lifelong financial partner that will keep your best interests at heart!

What are you waiting for?