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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Debt consolidation including IRD debts
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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.
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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 |
Alt Doc Rates
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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 |
Adverse Credit Rates
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Adverse Full Doc Rates
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Adverse Alt Doc Rates
| Adverse Full Doc | Clear | Plus | Assist |
|---|---|---|---|
| Under 60% LVR | 4.99%pa | 5.94%pa | 6.04%pa |
| 60-65% LVR | 5.09%pa | 6.04%pa | 6.24%pa |
| 65-70% LVR | 5.19%pa | 6.19%pa | 6.49%pa |
| 70-75% LVR | 5.29%pa | 6.39%pa | 6.79%pa |
| 75-80% LVR | 5.59%pa | 7.24%pa | 7.69%pa |
| 80-85% LVR | 7.72%pa | 8.91%pa | 9.31%pa |
| 85-90% LVR | 7.82%pa | 9.01%pa | 9.41%pa |
| Adverse Alt Doc | Clear | Plus | Assist |
|---|---|---|---|
| Under 60% LVR | 5.39%pa | 6.04%pa | 6.14%pa |
| 60-65% LVR | 5.49%pa | 6.24%pa | 6.44%pa |
| 65-70% LVR | 5.59%pa | 6.49%pa | 6.79%pa |
| 70-75% LVR | 5.69%pa | 6.79%pa | 7.19%pa |
| 75-80% LVR | 5.74%pa | 7.69%pa | 8.14%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
Adverse 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
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No limit on additional redraw repayments
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Step down – automatic rate reduction after 12 months good repayment history
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
