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
Swipe to view more
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
Swipe to view more
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
Swipe to view more

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
Swipe to view more
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
Swipe to view more
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.

Contact Us

We’re here to help. Simply leave your details here and we will get back to you.

Get in touch

We’re here to help. Simply leave your details here and we will get back to you.

panel clost button

I'm a customer

Get access to your accounts online.

Essential Website Maintenance
Please be aware that Loan Enquiry will be undergoing maintenance and it may not be available during
the following times:
10:00pm – 10:30pm (NZST) on Wednesday 21 April 2021

We apologise for any inconvenience this may cause.

Adviser login

Get access to your accounts online.

Due to planned server maintenance, our log-in page will not be available on Sunday 3rd October between 4:00am and 8:00am NZST.

We apologise for any inconvenience caused.