Products

Product overview

Self Managed Super Fund (SMSF) Lending. Residential, Commercial Purchase or Refinance:

  • Purchase: 90% Residential and 80% Commercial
  • Easy Refinance: 80% LVR Loans over 12 months seasoned, good repayment history
  • Limited transaction 100% Offset Account available
  • Corporate trustees only
  • No Liquidity, No Minimum Net Asset Test pre or post settlement

Easy Refi Owner Occupied and Investment Loan – Lower Doc product at Full Doc Rates:

  • Perfect for helping Mortgage Prisoners
  • To max loan of 80% LVR Residential loan (owner occupied or Investment)
  • Good credit history and performance for a minimum 12 month loan term
  • Employed for more than 6 months
  • Dollar for Dollar, Like for Like refinance

Lender Paid LMI – help your client stretch their deposit:

  • Minimum requirements: Cat 1 & 2, Established properties, Clean Credit, Veda Credit score over 600, purchase only, no minimum income requirements.
  • Professional Product 95% (Lender Paid LMI) Owner Occupied, Degree qualified, Legal, Medical, Health, Engineer, IT, Managers & Execs
  • Essential Workers 90% (Lender Paid LMI) Owner Occupied, Police, Fire Fighters, Nurses, Paramedics, Primary and Secondary School Teachers.
  • Lender Paid LMI up to 85% Investor and Owner Occupied – Refinance or Purchase

Construction

  • 12 months Interest only during construction
  • Residential: Construction investment, construction owner occupied
  • Construction Risk Fee applies > 70%. No LMI payable
  • Max LVR 90%
  • Free offset account once construction is complete, only available for variable rate

Standard

  • P&I or IO, Residential or Investment, Fixed rate
  • Max LVR: 90%
  • > 80% Lender Protection Fee applies
  • Offset account option available
  • Multiple loan split option
  • Optional redraw facilities

NDIS (SDA) & Co-Living Product 25 yr terms):

  • 90% Construction or Purchase of Established properties
  • 80% Refinance on established properties
  • Lender Risk and Protection fees may apply
  • SDA Property Value and Rental Income used
  • Borrowers can be individuals, companies and trusts
  • Maximum loan amount for NDIS construction is $1.25M (location dependent)
  • Maximum loan amount for NDIS established property is $1.5M (location dependent)

Non-Resident Lending
Non-Resident Lending for Purchases, Refinance or Construction

  • Wide range of accepted Countries and Currencies
  • P&I or Interest Only. Fixed Rates available
  • Up to 85% LVR
  • Easy Refi available
  • NDIS acceptable
  • Includes 100% Offset account, redraw, Internet and Phone Banking (free unlimited transactions).
  • No Early Repayment Penalties

Expat Lending
Australians with overseas income, Citizens and Permanent Residents living and working overseas

  • Lending for Purchases, Refinance or Construction
  • Wide range of accepted Countries and Currencies
  • P&I or Interest Only. Fixed Rates available
  • Up to 85% LVR
  • NDIS acceptable
  • Easy Refi available
  • Includes 100% Offset account, redraw, Internet and Phone Banking (free unlimited transactions)
  • No Early Repayment Penalties.

Visa Holders
Acceptable Visa Holders with AUD income, requiring FIRB approval

  • Wide range of acceptable Visas
  • P&I or Interest Only. Fixed Rates available
  • Up to 85% LVR
  • NDIS acceptable
  • Easy Refi Available
  • Includes 100% Offset account, redraw, Internet and Phone Banking (free unlimited transactions)
  • No Early Repayment Penalties