Brokers
Home loan options that fit
Flexible solutions designed to suit a wide range of borrower needs.
Residential Loans
Purchasing, refinancing, investing or consolidating debt, our residential loans are designed to adapt to your clients’ needs. With flexible policies and competitive rates we make property goals easier to reach. Backed by a fast credit process and expert support, we’re here to help you every step of the way.
Loan details
- Loan Term: 5 to 40 years*
- Loan Size: $100,000 to $15M
- Cash out to max LVR for any purpose+
- All income types accepted, including overseas income
- No credit score, CCR or DTI requirements
- Short term employment, including probation
- No genuine savings required
- 100% of bonus and commission income accepted
- Rental income shaded at 90%
- Company debts excluded from servicing
- Up to 6 borrowers, up to 4 loan splits, up to 4 offset accounts per loan
Self-employed
- Full Doc - 1 Year Personal Tax Return and corresponding Notice of Assessment (NOA). Trust and Company Tax Returns if applicable
- Alt Doc - 1 income doc (Accountant Letter, or last 2 BAS, or 6 months business bank statements) and Declaration of Financial Position
Loan types
Prime
- Borrow up to 90% LVR, no LMI
- Paid defaults up to $500 (on aggregate) considered.
- Self-employed - ABN > 24 months, GST > 12 months.
Near Prime
- Borrow up to 85% LVR, no LMI
- ATO and Private debt consolidation^
- Mortgage Arrears: Up to 1 month within the last 6 months
- Credit impairments and other arrears accepted (see Product Guide)
- Discharged from bankruptcy > 1 day
- Self-employed: ABN > 12 months, GST > 6 months
Near Prime Plus
- Borrow up to 85% LVR, no LMI
- ATO and Private debt consolidation^
- Mortgage Arrears: Up to 2 months within the last 6 months
- Credit impairments and other arrears accepted (see Product Guide)
- Discharged from bankruptcy > 1 day
- Self-employed: ABN > 6 months, GST > 6 months
Specialist
- Borrow up to 80% LVR
- Up to $100k cash out for any purpose
- ATO and Private debt consolidation^
- Mortgage Arrears: Unlimited within the last 6 months
- Unlimited credit impairments and other arrears accepted (see Product Guide)
- Discharged from bankruptcy > 1 day
- Self-employed: ABN > 6 months, GST > 6 months
View further information in our Rate & Product Guide.
Vacant Land Loans
Whether your clients are planning their next big project or securing a long-term investment, our Vacant Land Loans can help turn their vision into reality. With flexible financing options for purchases and refinances, we’re here to provide the support they need to succeed.
Loan details
- Loan Size: $100,000 to $5M
- Borrow up to 75% LVR
- No clawbacks
- Land can be used as sole security
- All income types accepted, including overseas income
- No credit score, CCR or DTI requirements
- Short term employment, including probation
- No genuine savings required
- Rental income shaded at 90%
- Company debts excluded from servicing
- Up to 6 borrowers, up to 4 loan splits, up to 4 offset accounts per loan
Self-employed
- Full Doc - 1 Year Personal Tax Return and corresponding Notice of Assessment (NOA). Trust and Company Tax Returns if applicable
- Alt Doc - 1 income doc (Accountant Letter, or last 2 BAS, or 6 months business bank statements) and Declaration of Financial Position
Loan types
Prime
- Cash out to max LVR for any purpose+
- Paid defaults up to $500 (on aggregate) considered
- Self-employed - ABN > 24 months, GST > 12 months
Near Prime
- Cash out to max LVR for any purpose
- ATO and Private debt consolidation^
- Mortgage Arrears: Up to 1 month within the last 6 months
- Credit impairments and other arrears accepted (see Product Guide)
- Discharged from bankruptcy > 1 day
- Self-employed: ABN > 12 months, GST > 6 months
Near Prime Plus
- Cash out to max LVR for any purpose
- ATO and Private debt consolidation^
- Mortgage Arrears: Up to 2 months within the last 6 months
- Credit impairments and other arrears accepted (see Product Guide)
- Discharged from bankruptcy > 1 day
- Self-employed: ABN > 6 months, GST > 6 months
Specialist
- Up to $100k cash out for any purpose
- ATO and Private debt consolidation^
- Mortgage Arrears: Unlimited within the last 6 months
- Unlimited credit impairments and other arrears accepted (see Product Guide)
- Discharged from bankruptcy > 1 day
- Self-employed: ABN > 6 months, GST > 6 months
View further information in our Rate & Product Guide.
Bridging Loans
Our Bridging Loans are ideal for clients who need to buy before they sell, offering the speed and flexibility to secure their next property and the breathing room to complete their sale.
Loan details
- Loans from $200K to $5M (peak debt)
- 6 to 12 months loan terms
- Cash out to max LVR
- No clawbacks
- Full Doc and Alt Doc options
- End debt flexibility
- Capitalised interest available
Loan types
Prime
- Paid defaults up to $500 (on aggregate) considered
- Self-employed - ABN > 24 months, GST > 12 months
Near Prime
- ATO and Private debt consolidation^
- Mortgage Arrears: Up to 1 month within the last 6 months
- Credit impairments and other arrears accepted (see Product Guide)
- Discharged from bankruptcy > 1 day
- Self-employed: ABN > 12 months, GST > 6 months
View further information in our Rate & Product Guide.
Expat Loans
Designed for expats living and working abroad or Australians earning income overseas, our Expat Loans make it easier to stay connected to Australia through property ownership
Loan details
- Loan Size: $100,000 to $5M
- Borrow up to 80% LVR
- 100% of net income once converted to AUD
- Cash out to max LVR for any purpose+
- All income types accepted, including overseas income
- No credit score, CCR or DTI requirements
- Short term employment, including probation
- No genuine savings required
- Rental income shaded at 90%
- Up to 6 borrowers, up to 4 loan splits, up to 4 offset accounts per loan
Self-employed
- Full Doc - 1 Year Personal Tax Return and corresponding Notice of Assessment (NOA). Trust and Company Tax Returns if applicable
- Alt Doc - 1 income doc (Accountant Letter, or last 2 BAS, or 6 months business bank statements) and Declaration of Financial Position
Loan types
Prime
- Paid defaults up to $500 (on aggregate) considered
- Self-employed - ABN > 24 months, GST > 12 months
Near Prime
- ATO and Private debt consolidation^
- Mortgage Arrears: Up to 1 month within the last 6 months
- Credit impairments and other arrears accepted (see Product Guide)
- Discharged from bankruptcy > 1 day
- Self-employed: ABN > 12 months, GST > 6 months
View further information in our Rate & Product Guide.
Non-Resident Loans
Tailored for non-residents, our loans support property purchases with Foreign Investment Review Board (FIRB) approval or the refinancing of existing mortgages.
Loan details
- Loan Size: $100,000 to $2M
- Borrow up to 80% LVR
- 100% of net income once converted to AUD
- Cash out to max LVR for any purpose+
- Paid defaults up to $500 (on aggregate) considered
- All income types accepted, including overseas income
- No credit score, CCR or DTI requirements
- Short term employment, including probation
- No genuine savings required
- Rental income shaded at 80%
- Up to 6 borrowers, up to 4 loan splits
- Redraw and offset accounts not available
Self-employed
- Full Doc - 1 Year Personal Tax Return and corresponding Notice of Assessment (NOA). Company Tax Returns if applicable
- ABN > 24 months, GST > 12 months
View further information in our Rate & Product Guide.
SMSF Loans - Residential and Commercial
Our SMSF Residential and Commercial Loans are crafted for borrowers aiming to grow their self-managed super fund portfolio by purchasing property or refinancing an existing SMSF property mortgage.
Loan details
- Loan Size: $100,000 to $2M
- Borrow up to 80% LVR
- Corporate or individual trustees accepted
- Up to 6 members, PAYG or self-employed
- No Liquidity or Net Asset testing
- Interest Only repayments acceptable
- New purchase or refinance
- Rental income shaded at 90%
- Redraw, offset accounts and cash out not available
Self-employed
- Full Doc - 1 Year Personal Tax Return and corresponding Notice of Assessment (NOA). Company Tax Returns if applicable
- ABN > 24 months, GST > 12 months
View further information in our Rate & Product Guide.
Commercial Loans
Smart, flexible lending options for self-employed clients and commercial property investors — whether buying, refinancing, consolidating or getting cash out.
Loan details
- Loans from $100K to $8M
- Borrow up to 80% LVR
- Terms up to 30 years
- Cash out to max LVR for any purpose+
- Interest only up to 10 years
- No clawbacks
- Full Doc, Alt Doc, Light Doc, Lease Doc
- No credit score, CCR or DTI requirements
- Retail shops, offices, light industrial and warehouses
- No annual review or revaluations
- Up to 6 borrowers, up to 4 loan splits, up to 4 offset accounts per loan
Self-employed
- Full Doc - 1 Year Personal Tax Return and corresponding Notice of Assessment (NOA). Trust and Company Tax Returns if applicable
- Light Doc - Declaration of Financial Position
- Alt Doc - 1 income doc (Accountant Letter, or last 2 BAS, or 6 months business bank statements) and Declaration of Financial Position
Loan types
Prime
- Paid defaults up to $500 (on aggregate) considered
- Self-employed - ABN > 24 months, GST > 12 months
Near Prime
- ATO and Private debt consolidation^
- Mortgage Arrears: Up to 1 month within the last 6 months
- Credit impairments and other arrears accepted (see Product Guide)
- Discharged from bankruptcy > 1 day
- Self-employed: ABN > 12 months, GST > 6 months
View further information in our Rate & Product Guide.
#Arrears is defined as any late payment or arrears on a credit account (credit card, personal loan, mortgage) where the minimum repayment has not been made within 14 days since the credit contract due date.
*31-40 year loan term only available for first-time home purchases. All applicants must be 40 years of age or under. Not available for loans over $2m.
^ATO debt and Private Loan debt cannot be consolidated for Prime Loans.
+Cash out from private lenders capped at $200k.
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