Non Conforming Full & Lo Doc


Loans allow you to take advantage of any equity you have in your home by setting a loan limit and giving you access to the funds for whatever you want them for. Most lenders require an interest only repayment based on the outstanding balance.

Individuals (PAYG or self-employed), Companies, Partnerships or Trusts

Loan Purpose Loans considered for direct purchase, refinance, debit consolidation and construction being residential and investment. facility Must be regulated by the UCCC (Split loans available up to four(4) accounts to a minimum of 10,000)
Loan Features Split  Loans available up to four (4) accounts to a minimum of 10K
Loan Products All facility included line of credit
Minimum Loan Size $50k (Subject to the loan scenario and to the LVR) Double security
Maximum Loan size $2,500,000(Subject to the loan scenario and to the LVR) Single security
Loan to Value Ratio 60 to 90% A Category  from $750,000 to $2,500,000
60 to 90 % B Category from $500,000 to $2,500,000
Minimum Loan Terms Interest only from 1year to 15 years and (P&I thereafter) to 30 yrs
Fixed Rates from 1year to 15 years and (P&I thereafter) to 30 yrs
Maximum Loan Terms 30 years Principal & Interest
Loan Repayment Frequency Weekly, twice monthly or monthly, day and date can be nominated
Security Type Residential vacant land and rural residential being occupier \ investment
Redraw Available Yes
Split Loan Available Yes
Dynamic Repayment Yes
Additional Repayment Principal reductions accepted with minimum of $5,000 each time on the principal part if any
Loan statements Issued Half Yearly (But you can ask us when required we will mail them to you charges apply).
Documentation Required Subject to the loan purpose, please call 1300 790 909 for more details
Financial Information Borrowers who can demonstrate means of serviceability
Qualifying Interest Rate Please call our consultant on 1300 790 909 for more details
Other Conditions A. Prime loans Borrowers must demonstrate serviceability with up to date detailed financial statements covering last 12 months + 4 pay slips  for (Full doc Loans)
B. Lo Doc & Uninsured Borrowers must be self employed or an Investor , has an ABN number and  registered for GST and in business for the past 2 years