Now’s the time for more service, flexibility and savings.
Simple
process.
We want to make life easy for you. From the moment you contact us, we will work with you to find your best home loan fit, answering any questions you have along the way.
Highly
flexible.
Every borrower is unique. That’s why we asses every application on its individual merits. We have a wide range of solutions to match your personal goals and circumstances.
Fast
turnaround.
Our team works hard to give every home loan application a speedy turnaround time. We’ll keep you updated with your loans progress along the way, so you’re never left guessing.
Find the loan option to suit you:
Home Loan Options
Prime
A COMPETITIVE HOME LOAN FOR BORROWERS WITH CLEAR CREDIT AND STRONG EMPLOYMENT HISTORY.
Whether you are PAYG or self-employed, Prime offers you the flexibility you need at competitive interest rates. We accept a range of income types, and if you’re self-employed, you can verify your income through a number of options.
FULL DOC PRODUCT FEATURES
- Competitive interest rates
- No risk fees
- Release up to $500,000 of equity
- Consolidate up to $100,000 unsecured debt
ALT DOC PRODUCT FEATURES
- Self-employed verification via 6 months’ business activity statements (BAS) plus 6 months’ business bank statements
- Release up to $200,000 of equity
- Consolidate up to $100,000 unsecured debt
Subject to credit assessment and lending criteria. Terms and conditions apply. Risk fee may apply.
Near Prime
A SIMPLE HOME LOAN FOR CLEAR CREDIT BORROWERS WHO NEED A BIT MORE FLEXIBILITY.
Near Prime is for people who are PAYG or self-employed with clear credit who need a bit more flexibility in their home loan product. If this sounds like you, Near Prime offers you more options for refinancing and simpler ways to prove your income, and can overlook small financial hiccups like a late electricity bill.
FULL DOC PRODUCT FEATURES
- ABN registration from 12 months and 1 day GST registration
- Judgements & defaults less than $1000 or greater than 24 months old ignored
- Unlimited debt consolidation, including ATO debt and loans from private lenders
ALT DOC PRODUCT FEATURES
- ABN registration from 12 months and 1 day GST registration
- Prove self-employed income using last 6 months’ business bank statements or BAS
- Unlimited debt consolidation, including ATO debt and loans from private lenders
Subject to credit assessment and lending criteria. Terms and conditions apply. Risk fee applies.
Specialist
A FLEXIBLE HOME LOAN FOR BORROWERS WHO HAVE HAD FINANCIAL DIFFICULTIES IN THE PAST.
If you have some credit impairments on your record, our Specialist product may be able to help you get back on your feet financially with more extensive refinancing options and simplified documentation requirements
FULL DOC PRODUCT FEATURES
- Judgements & defaults less than $1000 or greater than 12 months old ignored
- Unlimited debt consolidation, including ATO debt and loans from private lenders
- Discharged bankruptcies over 2 years old can be ignored
ALT DOC PRODUCT FEATURES
- Prove self-employed income using last 6 months’ business bank statements or BAS
- Unlimited debt consolidation, including ATO debt and loans from private lenders
- Discharged bankruptcies over 2 years old can be ignored
Subject to credit assessment and lending criteria. Terms and conditions apply. Risk fee applies.
Specialist Plus
A STRAIGHTFORWARD HOME LOAN FOR BORROWERS WHO ARE RECOVERING FROM FINANCIAL DIFFICULTIES.
Specialist+ is a flexible home loan that might be right for you if you’ve been struggling to obtain finance because of previous credit issues, bankruptcy or defaults.
FULL DOC PRODUCT FEATURES
- Up to 2 defaults over $1000 within 12 months accepted. Defaults greater than 12 months or less than $1000 ignored
- Part IX and X debt agreements can be cleared (with good repayment history)
- Discharged bankruptcies over 2 years old can be ignored
ALT DOC PRODUCT FEATURES
- Up to 2 defaults over $1000 within 12 months accepted. Defaults greater than 12 months or less than $1000 ignored
- Part IX and X debt agreements can be cleared (with good repayment history)
- Prove self-employed income using last 6 months’ business bank statements or BAS
Subject to credit assessment and lending criteria. Terms and conditions apply. Risk fee applies.