Latest updates on Finsure Loans products

Product and Pricing Update

SMSF loans: A market first

Help clients invest for less: Borrow up to $1m with a 90% LVR on residential securities for Full Doc loans – all with no LPF. This change could be key to unlocking more value.

Commercial loans: A big deal

We’ve expanded our loan limits to help open the door to more self-employed and investor clients. Here’s what’s now available:

• 85% LVR loans up to $2.5m
• Mixed use securities up to 80% for Alt Doc
• Boarding house (<10 rooms) up to 80% LVR
• Childcare centres up to 70% LVR

Home loans: Less red tape

Brokers could help more clients with:

• No genuine savings needed across all options
• A postcode refresh: many suburbs now classified as non-high density.

No LMI for up to 90% LVR – Extended!

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 24 September 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 Promotions are subject to change and may be varied or withdrawn at any time.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 24 July 2025.

Product Enhancements

We’re pleased to share a series of loading and rate reductions that will take effect from 23 September 2025:

Commercial Mid Doc <$4M

• Loan amounts and LVRs now aligned with Commercial Full Doc
• ICR reduced to 1.75:1 for over $2M

Commercial Quick Doc

• Increased maximum loan amount to $4M
• Introduced $3M tier for populations >20k

Commercial SMSF <$4M

• Interest Only LVR now aligned with Principal & Interest LVR, permitting up to 80% LVR

Commercial Lease Doc

• Increased the maximum loan amount to $4M
• Introduced $3M tier for populations >20k
• Reduced the ICR to 1.25:1
• Rental Income definition now adjusted to Net Rent

Commercial Full Doc <$4M

• Introduced $3M loan amount up to $80% LVR tier

• PAYG income verification for Residential Full Doc is now 2 x payslips ≤ 6 weeks old. Letter of employment and bank statement are no longer required.
• Childcare Centres will now be treated as a standard commercial property, eligible for Commercial Full Doc, Commercial Mid Doc, Commercial Quick Doc, Lease Doc and Commercial SMSF
• Now using SmartVal residential valuation type for faster valuation process
• SMSF loans where all members are in pension phase now considered
• In one line valuation policy expanded, please reach out to your RM for more details!

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Residential Loading Offers – extended until 31 October 2025

Residential Mid Doc Loadings Waived

• Applicable to: ≤ $3.5M up to 65% LVR, or ≤ 2M up to 80% LVR, or ≤ 2.5M up to 75% LVR
• Interest Only and Investment loadings waived (Interest Only loading still applies for owner occupied Interest Only)
• Current Owner-Occupied Loan + Investor Loan 6.59% offer removed as new rates are lower than 6.59%

Residential Mid Doc Rate Reductions

• Applicable to: > $3.5M all LVR, or > 2.5M ≤ 3.5M and over 65% LVR
• – 0.15% across all LVRs

Residential Full Doc Investor Loadings Reduced

• From 0.20% to 0.10%

Commercial SMSF (up to $4M) Rate Reductions

• -0.20% up to 70% LVR
• -0.40% at 75% LVR
• -0.75% at 80% LVR

Private Mid Doc Loan (Residential Securities) Rate Reductions

 

Updated versions of these rate sheets are available here.

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Ease the fees with our $990 Combo Loan offer
Ease the fees for your customers with the purchase, investment, refinance or equity release of a combination of loans involving one commercial (≤$4M) and one or more residential loans (≤$2.5M).
This $990 reduced fee offer covers:

• Residential Establishment Fee (usually $650)
• Commercial Establishment Fee (usually 0.95% loan amount)
• Residential valuation fees
• Legal fees for commercial and residential loans*

Commercial Loans up to $8M
Whether it’s for acquisition, refinance, or business growth, we offer a range of flexible solutions with fast approvals and no ongoing fees:

• Full Doc, Mid Doc, or Quick Doc options
• Up to 80% LVR
• Up to 30 years principal + interest or 5 years interest only terms
• Commercial Lease Doc loans up to $2M (up to 70% LVR)

New Commercial Application Form
We’ve also recently updated our Commercial Application Form to save you time and streamline the submission process.
This update consolidates all required components into one format, supporting up to four companies/trusts (each with two individuals), and follows a simple, logical flow.

Latest product update

• 24 month terms opening up new cases and scenarios
• Max loan amount now up to $10M for dual security, and $5M for single security loans
• For terms over 12 months, accredited brokers will receive trail, paid monthly from month 12 onwards*

*Trail is calculated on the outstanding loan balance at the end of each month and continues until the loan is repaid or reaches maturity. Terms and conditions apply.

 

Interest Rate Update

Effective 20th August 2025, Bridge will be lowering interest rates by 0.25% p.a. for new customers If you would like to understand how this will impact your customers, reach out to your BDM!

Here’s what our new rates look like:

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

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.

Important: Elect products will be discontinued from 30 September 2025

After careful consideration, the NAB Group has made the decision to close the Advantedge business, which fund the MyLoan Elect product.

In light of this decision, we wanted to ensure you had all the relevant information and give you a clear picture of what you and any existing customers can expect.

Key Information

• From 30 September 2025, Advantedge/Myloan Elect will cease accepting new home loan applications.
• Existing customers can continue to submit variations (including credit critical variations) after 30 September 2025.
• Commission payments will continue to be paid on existing loans
• The Customer Care team remains open for business on 1300 300 989 or customercare@advantedge.com.au. Our specialised credit assessment and operations teams will also continue to service requests.
• Please direct all BDM support enquiries to our new dedicated mailbox. This replaces the previous support inboxes.
• In 2026, all Advantedge home loans will transition to a NAB branded home loans. We will update you on specific dates and timing as we progress through the planned transition.

Supporting your customers

Your usual tools and resources remain available on advantedge.com.au – including the broker and customer FAQs.

Furthermore, letters will be sent to existing customers advising them of the changes. A copy of this letter is available via this link.

We recommend contacting those customers who may be impacted as they may have a few questions about the development.

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