Advisers
Find all the information regarding our home loan offerings for variable and fixed rate products across both prime and specialist lending. Our products suite is designed to satisfy the full range of customers, from prime customers, to investors and also those borrowers who may have been declined due to previous credit problems. Prime loans fully verified for PAYE and self-employed clients. Fixed and or Variable can be split up to 5 separate portions on P&I and interest only.
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Debt consolidation including IRD debts
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Desktop valuations now available
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LVRs up to 80%
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No risk fees, no monthly fees, only one settlement fee
Not all features available on all products. Please refer to product specs for additional information.
Standard Prime Full Doc Rates
The rates set out below are available for new loans. More information about our interest rates for new and existing loans is contained in our Interest Rates Disclosure document.
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Owner Occupied Rates
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Investment Rates
| Full Doc Owner Occupied | Variable | Fixed | ||||
|---|---|---|---|---|---|---|
| 1 year | 2 year | 3 year | 4 year | 5 year | ||
| Under 70% LVR | 3.39%pa | 3.35%pa | 2.99%pa | 3.35%pa | 3.49%pa | 3.59%pa |
| 70-80% LVR | 3.49%pa | 3.45%pa | 3.39%pa | 3.49%pa | 3.59%pa | 3.69%pa |
| 80-90% LVR | 4.09%pa | 4.05%pa | 3.99%pa | 4.29%pa | 4.39%pa | 4.49%pa |
| Full Doc Investment | Variable | Fixed | ||||
|---|---|---|---|---|---|---|
| 1 year | 2 year | 3 year | 4 year | 5 year | ||
| Under 70% LVR | 3.39%pa | 3.35%pa | 2.99%pa | 3.35%pa | 3.49%pa | 3.59%pa |
| 70-80% LVR | 3.49%pa | 3.45%pa | 3.39%pa | 3.49%pa | 3.59%pa | 3.69%pa |
Standard Prime Alt Doc Rates
The rates set out below are available for new loans. More information about our interest rates for new and existing loans is contained in our Interest Rates Disclosure document.
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Alt Doc Rates
| Alt Doc Rates | Variable | Fixed | ||||
|---|---|---|---|---|---|---|
| 1 year | 2 year | 3 year | 4 year | 5 year | ||
| Owner Occupied Under 80% | 4.19%pa | 4.15%pa | 4.09%pa | 4.19%pa | 4.20%pa | 4.30%pa |
| Investment Under 80% | 4.19%pa | 4.15%pa | 4.09%pa | 4.19%pa | 4.20%pa | 4.30%pa |
All advertised interest rates are available for new eligible loans and are subject to change. Your interest rate may differ depending on borrower category, security use and how much you borrow relative to the value of your property. Terms and conditions apply to all loan features. Final approval is subject to credit assessment. Valuation fee is at the cost of the valuation. Annual fee $0. Settlement fee $475. Discharge fee $495. Details about our products and our full interest rate disclosure for new and existing loans is set out in our Interest Rates Disclosure document. A schedule of our fees and charges is available on the Costs of Borrowing, Forms, and Terms page.
Specialist Full Doc and Specialist Alt Doc Rates
The rates set out below are available for new loans. More information about our interest rates for new and existing loans is contained in our Interest Rates Disclosure document.
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Specialist Full Doc Rates
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Specialist Alt Doc Rates
| Specialist Full Doc | Clear | Plus | Assist |
|---|---|---|---|
| Under 60% LVR | 4.15%pa | 5.35%pa | 5.94%pa |
| 60-65% LVR | 4.15%pa | 5.54%pa | 6.14%pa |
| 65-70% LVR | 4.55%pa | 5.74%pa | 6.39%pa |
| 70-75% LVR | 4.55%pa | 6.15%pa | 6.69%pa |
| 75-80% LVR | 4.65%pa | 6.94%pa | 7.59%pa |
| 80-85% LVR | 5.99%pa | 8.91%pa | 9.31%pa |
| 85-90% LVR | 7.82%pa | 9.01%pa | 9.41%pa |
| Specialist Alt Doc | Clear | Plus | Assist |
|---|---|---|---|
| Under 60% LVR | 5.15%pa | 5.54%pa | 6.04%pa |
| 60-65% LVR | 5.15%pa | 5.74%pa | 6.34%pa |
| 65-70% LVR | 5.45%pa | 5.99%pa | 6.69%pa |
| 70-75% LVR | 5.59%pa | 6.39%pa | 7.09%pa |
| 75-80% LVR | 5.69%pa | 7.10%pa | 8.04%pa |
| 80-85% LVR | 8.30%pa | 9.66%pa | 10.36%pa |
| 85-90% LVR | 8.40%pa | 9.76%pa | 10.46%pa |
Full Doc variable product features
- No monthly fee
- Nominate the repayment schedule to be weekly, fortnightly or monthly
- Extra repayments and lump sum repayments can be made without any penalty
- No limit on additional redraw repayments
Specialist variable product features
- No monthly fee
- Nominate the repayment schedule to be weekly, fortnightly or monthly
- Extra repayments and lump sum repayments can be made without any penalty
- No limit on additional redraw repayments
Fixed product features
- Nominate the repayment schedule to be weekly, fortnightly or monthly.
- Borrowers are unable to make extra or lump sum repayments
and redraw is not available.
Alt Doc product features
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Self-employed only – minimum 18 months
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Fixed and or variable - Can split the loan up to 5 separate portions
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Principal and Interest or Interest only
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Established in 1985
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Flexible lending policy
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Great loan features
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Broad product range
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Exclusive customer benefits
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Carbon conscious
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