Lending built for real life
Flexible lending solutions designed to help more borrowers achieve their property goals.
Our Approach
Borrowing Power & Policy Flexibility
- Stronger borrowing power – 2% servicing buffer (1% for refinances) and no DTI limits.
- More income accepted – Including 100% of overtime and essential service allowances.
- Common-sense credit – No credit scoring.
- Simpler Alt Doc – One form of income verification.
- 1-year financials – Self-employed lending up to 80% LVR.
- Overseas income – Expat and non-resident options.
- High-density lending – Greater flexibility for apartment securities.
Product Range & Flexibility
- Higher loan sizes – Up to $15M residential and commercial.
- Flexible cash out – Unlimited up to 80% LVR.
- Debt consolidation – Including private lender and ATO debts.
- Construction & vacant land – Flexible lending options.
- Bridging finance – Short-term funding solutions.
- Easy Refi – No income verification for eligible borrowers.
- SMSF lending – Residential and commercial options.
- Reverse mortgages – Equity release for borrowers aged 55+.
Speed, Certainty & Experience
- Fully assessed pre-approvals – Greater certainty upfront across all products.
- Faster turnarounds – ApplyOnline® and DocuSign help streamline the process.
Our Residential Loan Offering
Full Doc
- Loan size up to $15,000,000
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Loan size up to $15,000,000
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1-Year Financials Accepted (Prime only and up to 80% LVR)
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Company Wages Accepted
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100% Redraw Offset Facility available
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No DTI requirement (all products)
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Company/Trust structures accepted
Alt Doc
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$0 Risk Fee up to 80%LVR (Prime only)
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Loan Size up to $15,000,000
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Min. 1 day GST registration
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100% Redraw Offset Facility available
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One Form of Income Documentation
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Expat Loans
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Australian citizens, permanent residents or temporary residents with income in AUD or an acceptable foreign currency
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Loan Size up to $15,000,000
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Cat 1 and 2 postcodes accepted
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100% Redraw Offset Facility available
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Max 80% LVR
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Non-resident
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Available to borrowers with non-Australian sourced income and non-residents of Australia.
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$0 Establishment Fee
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$0 Settlement Fee
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Max. Loan Size $15,000,000
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Max. LVR 80%
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Account keeping fee includes 100% Redraw Offset Facility included
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Bridging
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6 – 12 months Bridging Period. Total loan term of up to 30 years.
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Peak Debt: ≤$5,000,000 Max. 80% LVR. End Debt: up to 80% LVR
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Loan Size up to $15,000,000
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During the Bridging Period, the interest budget will be retained, and no repayment will be required.
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Cat 1 and 2 postcodes accepted
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After the Bridging Period, reverts to standard Full Doc / Alt Doc / Expat product
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Single Security Bridge accepted + Equity release considered
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Construction
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Available to Full Doc Prime, Alt Doc Prime, Expat and Non-resident borrowers
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IO repayments during construction
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No clawback
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Full Doc, Alt Doc, Expat: Max. 80%. Non-Resident: Max. 70%
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Full Doc, Alt Doc, Expat: Max. $15,000,000
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Non-Resident: Max. $15,000,000
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Vacant Land
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Land loans for Full Doc Prime, Alt Doc Prime, Expat and Non-resident borrowers
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Max size – 5 acres
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Up to 75% LVR
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Up to 2 years loan term
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Cat 1 and Cat 2 postcodes accepted
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SMSF
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LVR up to 80%
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Loan Size up to $3,000,000
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Maximum loan term 30 years with 5 years IO
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Cat 1 and 2 Postcodes Accepted (investment property only)
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No liquidity requirements or minimum net asset test
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Simple refinance option available
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Reverse Mortgages
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Reverse mortgage for those aged 55 and older. Repayment only due at end of loan term (compounding interest).
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Category 1, 2 and 3 locations available (with category 4 and non-standard case by case)
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Lump sum and future drawdown options with loan sizes of up to $5m as standard. Repayments can be made at any time with redraw available.
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Protections include lifetime occupancy in home, with no negative equity guarantee, independent legal advice mandatory, family discussion encouraged.
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LVR based on age (from 15% at age 55 to 55% at 95+ for cat 1 & 2).
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Can be used for a variety of purposes including home improvements, debt consolidation, property purchase, income support, gifting (bank of mum and dad), travel and healthcare.
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Our Commercial Loan Offering
- Full Doc: Ideal for property purchases and refinances with full income documentation. No ATO portals or business bank statements required
- Alt Doc: A flexible solution for self-employed borrowers without full income documentation. One form of income documentation: Accountant letter, or most recent 6 months BAS, or most recent 6 months business bank statements
- Lease Doc: A simple solution for property investors via lease income only
- SMSF: Individual Trustees accepted (minimum 2) and no liquidity requirements or minimum net asset test
- Short Term: A simple, fast and short-term solution with no income docs required. Residential, commercial securities and vacant land accepted