Thinktank Residential Full Doc Loan

Loan secured by residential property from $100K to $5M, including cash out for business use, with Full Doc verification.

Non-Cashflow / Asset-Backed Finance Refinance & Debt ConsolidationVia broker

From lender's website, 24 Sept 2026

Amount: $100K to $5M
Term: Up to 30 yrs
Rate: Available through accredited brokers
Max LVR: Up to 80%

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Product details

As published by Thinktank. Details not published by the lender are marked.

Loan amount: $100K to $5M
Rate: Available through accredited brokersThinktank publishes its pricing to accredited brokers only, so rates are not shown here. A broker can confirm the rate for your scenario.
Maximum LVR: Up to 80%Up to 80%, or 75% for loans over $2.5M. Up to $5M in greater metro areas; loans over $3M depend on location.
Interest only: Up to 5 years
Occupancy: Owner occupied · Investment
Rate type: Variable
Term: Up to 30 yrs
Security: Property-secured
Structure: Term loan
Fees: Establishment and settlement fees as set out in the letter of offer · Standard residential valuation $385 · Account fee $20 a month · Discharge $495 plus legal fees
Repayment frequency: Monthly
Early repayment: Not published
Time trading: Not published
Turnover: Not published
Documents: Full Doc
Guarantees: Not published
Funding time: Not published
Credit policy: No credit scoring, every application assessed on its merits · No debt to income (DTI) maximum · ABNs under 2 years considered; newly self-employed eligible with an ABN of 3 months or more · Combined paid defaults under $1,000 considered · Borrowers can be individuals, companies, trusts or partnerships
Not accepted: Credit impaired lending · Construction or development funding · Vacant land or rural residential · Postcodes with a population under 10,000 people · Properties valued under $200,000
How to apply: Through a broker or the lender's relationship managers
Suitable purposes: RefinanceGrowthCash flow

Documentation options

Full Doc
Payslips for PAYG income, or full financials if self-employed.

Maximum LVR by scenario

LVR is set per scenario, not per lender. These are the limits Thinktank publishes; your final LVR is confirmed on application.

Documentation	Loan amount	Security	Location	Max LVR
Full Doc	$100K to $2.5M	Residential property	Greater metro and eligible locations	80%
Full Doc	$2.5M to $5M	Residential property	Greater metro	75%Loans over $3M depend on location
Any	Any amount	Any	Postcodes under 10,000 people	Not accepted