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Latest updates on Finsure Loans Plus

Finsure Loans Plus

Seriously Easy SMSF Refi

Clients paying more than they need to?​

If they think switching lenders is right for them, apply online with our Seriously Easy SMSF Refi option 3. Only available for corporate trustees.

A light touch serviceability assessment based on the last 6 month’s repayment history, if

  • It’s for the same loan amount (plus loan set up fees)
  • Repayments have been made on time
  • Monthly repayments reduce; and
  • It’s up to 80% LVR

Plus ​

  • No application fee for Prime Seriously Easy SMSF Refi loans with residential securities until 1 June 20264
  • Interest rates from 6.84% p.a.5

Options that keep opportunities open

  • Fast SLA
  • Digital applications
  • Up to 90% LVR for future purchases (full serviceability assessment applied)

No LMI for up to 80% LVR for Prime Home Loan (Alt Doc)

  • Residential owner-occupied and investment properties
  • No LPF or risk fee (similar to LMI)
  • Available up to 80% LVR
  • Exclusive to Finsure Loans Plus brokers
  • No interest-only loading
  • No ‘large loan’ risk fees ≥ $1.75m6
  • Promotion ends 1 June 2026²

Product and Pricing Update

Following the RBA’s cash rate announcement, we’ve made some changes:

A 0.25% p.a. increase for existing variable rate clients, effective 26 March 2026:
This will apply to home, commercial, construction, and SMSF loans. We’ll let impacted customers know their new rate, payment details, and its effective date.

What about applications in pipeline?
For applications yet to settle, an increase of 0.25% p.a. will be applied to their home, commercial, construction, or SMSF loan at settlement.

New applications:
We are increasing our variable rates across our home, commercial, construction and SMSF loans by up to 0.25%.

 

A guide to company, trust and SPV borrowers

Here’s an update to assist you in placing deals for clients borrowing through a special purpose vehicle (SPV).

Considering the recent lender appetite tightening for SPV lending, understanding the loan options available is key. Here we’ll show you how these deals are assessed with us and information that could help you prepare stronger applications.

Who you can assist with us

Catering for individual or non-trading corporate trustees, our home loan options could help your clients to structure the deal to suit their needs.

When it comes to SPV borrowers, we need to ensure that the structure is being used for property ownership and not running a business.

How SPV applications are assessed

To build a full picture of the applicant’s position, we’ll look at:

  • The guarantor’s personal income and expenses.
  • The SPV itself, including:
    • Total annual rental income (shaded at 80%)
    • Existing loans repayment + 25% buffer.
    • Negative gearing benefits applied with the total debt owed added to investment property loan balance.
    • Property related costs: insurance, utilities, rates, strata fees, and land tax.
  • Any other SPVs connected to the guarantor: rental income, debt repayments and property-related expense are included unless an Accountant’s Letter confirms they’re self‑sufficient or dormant.

When an Accountant’s Letter is required

They’ll need one when the guarantor is linked to other companies or trusts, especially where there’s activity on these entities credit file, and they don’t want the connected SPV’s income, expenses and property related costs included in servicing. The letter confirms whether those entities are self-sufficient or dormant.

It’s not about confirming whether the client can afford the loan. If the accountant can’t confirm self‑sufficiency, we’ll include those entities in serviceability.

 

No LMI for up to 90% LVR – Extended!

Brokers can continue to access no LMI up to 90% LVR on Prime Full Doc home loans for residential properties, until 1 June 20261. Helping your owner-occupied and investor clients save thousands. Prime eligibility criteria applies.

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.

SMSF loans: A market first

Help clients invest for less with our new SMSF loan option:

  • Borrow up to $1m
  • 90% LVR on residential securities for Full Doc loans
  • no LPF

 

Important information

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 AEDT 1 April 2026.

2Promotion applies to new Prime Home Loan (Alt Doc) applications for residential securities up to 80% 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 17 March 2026 and 11:59pm AEST 18 May 2026.

3Seriously Easy SMSF refinance applications require the following: corporate trustee applicants; the same loan amount (plus loan set-up fees); a proposed repayment that is lower than the current SMSF loan repayments; demonstrated satisfactory repayment conduct (shown through 6 months of SMSF loan bank statements); and confirmation that the SMSF is currently compliant with the ATO.

4Application Fee promotion applies to eligible new Prime Seriously Easy SMSF Refi applications, with residential security. Applications must be submitted and conditionally approved between 12:00am AEST 15 April 2025 and 11:59pm AEST 1 June 2026.

5SMSF loan variable interest rates range from 6.84% p.a. – 9.74% p.a. The actual interest rate will depend on the borrower’s circumstances and the information verified during the loan application assessment.

6Promotion applies to new Prime Home Loan (Alt Doc) residential purchase applications for interest only loans or loans ≥$1.75m. Refer to the rate card for our full range of interest rates and fees. Applications must be submitted between 12:00am AEDT 17 March 2026 and 11:59pm AEST 1 June 2026.