Latest updates on Finsure Loans products

No LMI for up to 90% LVR

From April 1 to June 4, 2025, you can help your clients save thousands and grow their borrowing power with Prime Full Doc residential property loans. Enjoy up to 90% LVR¹ with

• no LMI
• no LPF
• no risk fees

Need more?

• Up to 3% flat fee for 90-95% LVR.
• No occupation restrictions – prime eligibility criteria applies.

Investors, Owner Occupiers and Refinancers?

• Now even more affordability options
• Now more ways to improve your cash flow
• Now even more ways to improve your borrowing capacity

You can download our updated Product Guide, Fact Sheet, and FAQs by logging into Infynity.

 

Important information

Information is correct as of 1 April 2025 and is subject to change.

Applications are subject to credit assessment, eligibility criteria and lending limits. Terms, conditions, fees and charges apply. Applications lodged after the Promotion period will be offered the application interest rate, fees and credit policy then applicable. Promotions are subject to change and may be varied or withdrawn at any time.

¹Lenders Mortgage Insurance or Loan Protection Fee promotion applies to new Prime Full Doc home loan applications for residential securities up to 90% LVR. This promotion isn’t available for vacant land securities or construction loans. Refer to the rate card for our full range of interest rates and fees. Applications must be submitted between 12:00am AEDT 1 April 2025 and 11:59pm AEST 4 June 2025.

Thrive is live with new comercial digital lodgement platform – CitoPlus!

We are live with digital lodgement for commercial and SMSF loan applications via the digital broker platform CitoPlus!

You can now submit all commercial and SMSF loan applications via the CitoPlus platform directly to Finsure Loans Thrive. When using CitoPlus, you will have access to a streamlined, data-driven experience that saves you time, improves the accuracy of your submissions, delivers a faster outcome for you and your clients, as well as ensuring data security and enhancing overall deal management

Why use Digital Lodgement

CitoPlus’ digital lodgement capability for commercial and SMSF loan applications sets a new standard for fast and easy loan applications, which has been long talked about in the industry. Here are just a few things that the experience enables:

✅ Guided application workflow tailored to Finsure Thrive’s requirements for lender ready submissions
✅ Faster lender decisions and documentation issuance
✅ A smoother, completely digital and efficient experience for both you and your clients

How to register for CitoPlus

Already Registered: Your credentials and access will remain unchanged. All your historical client data and information held in CitoPlus will also remain.

Need to Register? Self-registration can be completed via the registration page

Note: once the inflight Infynity integration goes live, your access will be cut over to being via Infynity (update on this coming soon)

 

Thrive also offers flexible policy features to help your self-employed clients get a better deal.

Commercial

• Commercial max loan is $4,000,000 for both Mid Doc & Full Doc
• 3-month ABN policy
• Additional GST loan available for commercial purchases. Total LVR 90% with no LMI
• Specialised securities such as boarding houses, childcare centres, apartment units/multiple dwellings on title
• Owner occupied & investment 30 Year set and forget loans
• Flexible cash out for business investment purposes

SMSF

• No liquidity or net asset requirements
• Projected contributions can be utilised in servicing if clients need to increase their contributions
• Up to 80% LVR on commercial & residential securities
• Additional GST loan available for commercial purchases. Total LVR 90% with no LMI
• Specialist Complex SMSF offerings i.e tenants in common

Residential

• Residential max loan $2,500,000 on a single security (up to $3mil for multiple)
• Company, Trust and Individual borrowers accepted
• Servicing based on most recent years’ financials (full doc loans)
• Flexible cash out for business, investment purposes & Tax debt payout
• Self-employed & complex lending: i.e. trusts, company
• Residential Account Manager details

Introducing Bridge’s new Stay Rate

We are excited to introduce Finsure Loans Bridge’s new Stay Rate.

Upsizing with Finsure Loans Bridge just got smarter, your clients can now unlock even better value and flexibility when buying before they sell with the new Stay Rate.

How does the Stay Rate work?

Your client’s loan starts out on our Bridge Rate. Once they sell their outgoing property and reduce their loan amount to the agreed residual loan amount displayed in the offer, the rate will automatically decrease to our Stay Rate (from 7.29% p.a), with no monthly repayments required for the remainder of the term.

Benefits for you and your clients?

• Flexibility for more of your upsizing clients to purchase a new home before they sell their existing.
• A more competitive rate on the residual loan amount after selling
• Enjoy no monthly repayments on a lower rate, for longer
• More time and flexibility to arrange the next lender post-bridging
• 0.35% commission, with no clawbacks, ever

What are the rates?

If you have any questions, please reach out to your BDM today!

 

¹The Stay Rate will apply if a repayment is made from the sale of outgoing properties (or another repayment method) and the repayment reduces the loan balance to an amount that is equal to or less than the residual loan balance stated in the offer. Information is correct as of 5 May 2025 and is subject to change at any time.

Eligibility and approval is subject to standard credit assessment and not all amounts, term lengths or rates will be available to all applicants. Fees, terms and conditions apply.