Fully Verified Conforming Loan
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| This product is a low interest rate option loan designed to assist those clients who fit within the prime mortgage market. Full income declaration must be provided to determine serviceability. This facility is a full-featured product with no ongoing fees and access to a redraw facility free of charge. |
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Line of Credit Loan
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| This is a variable rate interest only facility linked to a chequebook and direct credit & debit facilities. This a flexible solution best suited to clients who can manage their finances well. |
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Low Doc Self Employed Loan
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| Low doc loans are designed to assist self employed borrowers. No income substantiation is required however self-certification of your ability to make repayments and accountant's verification normally applies. |
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Low Doc PAYG Loan
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| This product is designed to meet the needs of those borrowers that are PAYG, but also earn unsubstantiated additional income related to their primary job. For example a teacher earning additional cash tutoring students or a tradesperson providing services in their own time. |
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No Doc Private Loan
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| This loan is a pure asset-lend, no documentation loan. It must be unregulated i.e. business or investment purposes only and suits those borrowers who do not wish to provide any details regarding income, assets and liabilities. Income must be self-certified. |
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Short Term Self Employed Loan
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| This loan is designed to assist self-employed borrowers who have less than 12 months business/trading history. It is suitable for new start-ups, those with incomplete taxation details, recent changes to business structure. Income must be self-certified. |
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Credit Impaired Loan
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| This loan is designed to assist those borrowers with a poor credit history. By refinancing and consolidating your debts you may be able to minimise your repayments, settle debts in default and eventually clean up your credit rating. The level of impairment can range from arrears to bankruptcy with interest rates determined by level of credit impairment and LVR
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Clean Credit Loan
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| This loan is designed for those clients who do not meet traditional LMI requirements. Generally a reasonable credit history is required and can assist borrowers with unusual deposit sources, unusual income, instability or employment or residence. |
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Rural Private Loan
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| This a non-code loan designed for the rural security properties. Short-term finance with some verification required |
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Commercial Loan
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| This loan is secured by commercial, industrial or business securities.
Generally full verification is required. |
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Non-Resident Loan
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| This is loan is available to investors only who must have FIRB (Foreign Investment Review Board Approval). It has the same features as fully verified loan. |
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