Self-Employed home loans

2 Year fixed rates from

3.89

% p.a.

Self-Employed home loans

Don't have traditional proof of income? We understand that your situation is a bit different. We can help even if you've only been trading for 6 months or if you're looking to get cash out for business purposes. We also have options for adverse credit scenarios.

No monthly or annual fees
Online account access
Weekly, fortnightly or monthly payment reschedule
Borrow up to 80% of the value of the property
Verify income with business bank statements, GST returns or 12 months financial statements
For loans up to a maximum of $1.5m

Not all features available on all products. Please refer to product specs for additional information.

Do any of these apply to you?

Trading for two years with financials up to date
Trading for a few years, but financials are not up to date
Business profitability has turned around
Trading for a short time – as little as 6 months
You operate under PAYE income through contracting

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.

Owner Occupied Rates
Investment Rates

Full Doc Owner Occupied	Variable	Fixed
		1 year	2 year	3 year	4 year	5 year
Under 70% LVR	3.39%pa	3.54%pa	3.89%pa	4.09%pa	4.19%pa	4.29%pa
70-80% LVR	3.49%pa	3.54%pa	3.89%pa	4.09%pa	4.19%pa	4.29%pa
80-90% LVR	4.09%pa	4.54%pa	4.89%pa	5.09%pa	5.19%pa	5.29%pa

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Full Doc Investment	Variable	Fixed
		1 year	2 year	3 year	4 year	5 year
Under 70% LVR	3.39%pa	3.54%pa	3.89%pa	4.09%pa	4.19%pa	4.29%pa
70-80% LVR	3.49%pa	3.54%pa	3.89%pa	4.09%pa	4.19%pa	4.29%pa

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See if you qualify

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.

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.

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	4.29%pa	4.39%pa	4.59%pa	4.69%pa	4.79%pa
Investment Under 80%	4.19%pa	4.29%pa	4.39%pa	4.59%pa	4.69%pa	4.79%pa

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See if you qualify

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.

Specialist Full Doc Rates
Specialist Alt Doc Rates

Specialist Full Doc	Clear	Plus	Assist
Under 60% LVR	3.84%pa	5.35%pa	5.94%pa
60-65% LVR	3.89%pa	5.54%pa	6.14%pa
65-70% LVR	4.19%pa	5.74%pa	6.39%pa
70-75% LVR	4.29%pa	6.15%pa	6.69%pa
75-80% LVR	4.44%pa	6.94%pa	7.59%pa
80-85% LVR	5.15%pa	7.44%pa	8.09%pa
85-90% LVR	6.19%pa	8.44%pa	9.09%pa

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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	5.99%pa	7.89%pa	8.86%pa
85-90% LVR	6.99%pa	8.89%pa	9.49%pa

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See if you qualify

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.