Finance Solutions That Work For Real Australians.

Yes, in some cases. Under 12 months ABN, mainstream lenders are very difficult. However, specialist lenders offer options from 6 months ABN if you can demonstrate industry experience (e.g., previously PAYG in the same trade). The maximum LVR under 12 months is typically 70–75%. With 1–2 years ABN, most specialist lenders accept your application with 1 year’s financials or a BAS statement as evidence of income.

A low doc (low documentation) loan is designed for self-employed borrowers who can’t provide full financials. Instead of 2 years of tax returns and financials, you typically provide one of:

• Accountant’s letter verifying income
• BAS statements (6–12 months)
• Business bank statements (6–12 months)
• Self-certification of income (fewer lenders, higher LVR restrictions)

Requirements: Min. 2 years ABN (1 year with some lenders), max LVR typically 80% (some up to 85% with LMI). Rates are 0.5–1.5% higher than full doc.

Lenders typically average your income over 2 years. If Year 2 is lower than Year 1, many lenders will use the lower year. If Year 2 is higher, some lenders will use the average. Key strategies include:

• Using a lender who averages or uses the most recent year
• Adding back allowable deductions (depreciation, interest, super above 9.5%)
• Using alternative income evidence like BAS showing GST turnover

We specialise in packaging self-employed income correctly for maximum borrowing power.

Documentation	Max LVR	LMI Available
Full doc (2yr tax returns)	90% with LMI	Yes
Low doc (BAS/Accountant)	80%	Some lenders
Alt doc (bank statements)	75–80%	No
No doc (commercial property)	65–70%	No

LVRs may vary by lender and property location (metro vs regional). Call us on 1300 432 961 for the latest policy.

Loan Type	Max LVR	Notes
Owner-occupied P&I	95% (LMI req.)	5% genuine savings
Investment P&I	90% (LMI req.)	Some lenders 95%
Interest only (OO)	80%	APRA restrictions apply
Interest only (Invest)	90%	With LMI
SMSF residential	70–80%	Lender specific
Non-resident	60–70%	FIRB approval required

A comparison rate includes the interest rate plus most fees and charges, expressed as a single percentage. It’s calculated on a standardised $150,000 loan over 25 years (per the NCCP Act). A loan advertised at 5.74% with fees might have a comparison rate of 6.09% — meaning the true cost is higher. Always compare the comparison rate rather than the headline rate. Use our Comparison Rate Calculator to compare any two loans.

NSW First Home Buyer Benefits (2024–25):

• Stamp Duty Exemption: Full exemption on homes up to $800,000; partial concession $800K–$1M
• First Home Guarantee (FHBG): 5% deposit, no LMI, backed by government — 35,000 places per year
• First Home Super Saver Scheme (FHSS): Withdraw up to $50,000 in voluntary super contributions for deposit
• NSW First Home Owner Grant: $10,000 for new builds under $750,000

Use our Stamp Duty Calculator to check your exact savings. Conditions apply — speak to our team for eligibility.

Yes. For assets under $150,000, we offer a no-financials product requiring only:

• Current driver’s licence
• Medicare card
• 3–6 months bank statements (some lenders)
• ABN registration (for business use assets)

Approval can be same-day. 100% of the asset value is funded — no deposit required in most cases. This covers cars, utes, vans, motorbikes, and light commercial vehicles. For assets over $150,000, financial statements or tax returns are typically required.

Product	You Own Asset?	GST on Purchase?	Best For
Chattel Mortgage	Yes (from day 1)	Claim upfront	GST-registered ABN holders
Finance Lease	No (lender owns)	Claim on each payment	Businesses wanting off-balance-sheet
Hire Purchase	At end of term	Claim on each payment	Businesses building equity
Consumer Loan	Yes	N/A	Personal use vehicles

Always consult your accountant for tax treatment. We can structure the loan to maximise your tax position.

We finance a wide range of assets including: cars, utes, vans, trucks, motorbikes, caravans, boats, trailers, excavators, forklifts, earthmoving equipment, solar panels, medical equipment, IT equipment, restaurant/café equipment, and more. Assets can be new or used. For older/used assets, age restrictions may apply (typically under 15 years old at end of term).

A no-doc commercial loan (also called a low-doc commercial) is based primarily on the security property rather than the borrower’s income. Approval is based on property value, location, and LVR — not tax returns or financials. Ideal for:

• Property investors with complex income structures
• Business owners with strong assets but irregular income
• Borrowers who’ve recently changed businesses
• SMSF trustees

Maximum LVR is typically 65–70%. Rates are higher than full-doc (usually 7–9% p.a.). Available for commercial, industrial, retail, and mixed-use properties.

A Lease Doc loan is a commercial property loan where serviceability is assessed based on the property’s rental income rather than the borrower’s personal income. Requirements typically include:

• Executed commercial lease agreement with at least 12 months remaining
• Rent must cover 100–125% of the interest repayment (DSCR)
• Max LVR 65–70%
• Suitable for commercial, retail, and industrial property

This is perfect for SMSF trustees, foreign investors, and high-net-worth individuals. Contact us to discuss your specific property.

Standard residential variable rate home loans are available for both new purchases and refinances of established (non-construction) properties. The following rate and LVR structure applies:

Loan Size	Max LVR	Owner-Occupied Rate	OO Comparison Rate	Investment Rate	Inv Comparison Rate
Up to $3.5M	70%	5.75% p.a.	5.86%	6.05% p.a.	6.57%
Up to $3.5M	80%	5.85% p.a.	5.96%	6.15% p.a.	6.67%
Up to $3M	90%	6.35% p.a.	6.82%	6.65% p.a.	7.16%
Up to $2M	95%	6.85% p.a.	7.32%	7.15% p.a.	7.66%

Interest Only loading: +0.40% p.a. (maximum 5 years, monthly repayments only). Owner-occupied IO limited to 50% of total loan amount secured against PPR. Max LVR for OO IO: 80%. Max LVR for investment IO: 90%.

Offset account: 100% offset included with each loan split. Additional offset accounts available on application.

Comparison rate based on $150,000 over 25 years P&I. Rates correct as at February 2026 and subject to change. This comparison rate applies only to the example given — different amounts and terms will result in different comparison rates.

Maximum loan amounts vary depending on property location and LVR:

LVR	Metro / Non-Metro	Inner City	Regional
≤ 70%	$3,500,000	$3,500,000	$3,000,000
≤ 80%	$3,500,000	$3,500,000	$2,000,000
≤ 90%	$3,000,000	$3,000,000	N/A
≤ 95%	$2,000,000	$2,000,000	N/A

Maximum aggregate borrower exposure: $10,000,000. Maximum individual loan: $3,500,000. Where a borrower is both an individual borrower and a company co-borrower/director, a combined exposure test of $10M applies.

Postcode restrictions: LVR >80% requires further approval. Inner-city and high-density postcodes: max 95% LVR subject to approval. High-risk postcodes: max 90% LVR. Non-metro postcodes: max 95% where OO or investment in a town with population >10,000 or within 15km of a town with population >50,000 — otherwise 90%. Regional/unclassified: max 80% (65% in low-population areas). Unacceptable postcodes: NSW 2747, QLD 4183.

Fee	Amount
Application Fee	$595 (Nil for Owner-Occupied)
Valuation Fee	$440 + GST standard; $60 + GST for AVM (quote for higher-value properties)
Legal / Doc Prep Fee	$297 (excludes disbursements, government charges and funder contract processing fee)
Annual Fee	$395 on all investment loans, or if owner-occupied >80% LVR
Settlement Fee	$590
Discharge Fee	$795 plus 3rd party costs

Lenders Protection Fee (LPF) — replaces LMI:

LVR	Owner-Occupied LPF	Investment LPF
≤ 80%	0.00%	0.00%
≤ 85%	1.75%	2.25%
≤ 90%	3.00%	3.50%
≤ 91%	3.50%	4.00%
≤ 92%	4.00%	4.50%
≤ 93%	4.50%	5.00%
≤ 94%	5.00%	5.50%
≤ 95%	5.50%	6.00%

LPF cannot be capitalised above 95% LVR.

The Easy Refinance product offers a streamlined refinance process with discounted rates for eligible borrowers with clean credit and 12 months good conduct on their existing loan.

Loan Size	Max LVR	Owner-Occupied Rate	OO Comparison	Investment Rate	Inv Comparison
Up to $3.5M	70%	5.69% p.a.	5.80%	5.99% p.a.	6.49%
Up to $3.5M	80%	5.79% p.a.	5.90%	6.09% p.a.	6.59%

Key eligibility criteria:

• New interest rate must be lower than current rate
• New P&I repayment must be lower than current P&I repayment
• 12 months good repayment conduct (no payment more than 15 days in arrears)
• Minimum Equifax comprehensive credit score of 650
• No indications of financial deterioration on credit report
• Borrower acknowledges no adverse changes to financial circumstances
• Cash out available: maximum of $50,000 or 3% of security value (excludes SMSF)
• No cash out on interest only loans
• Partial refinances not acceptable

Borrowers over 55: If seeking to extend the loan term — investment properties: term can extend to product maximum. Owner-occupied: maximum new term capped at 85 minus age of oldest applicant (e.g., aged 62 = maximum 23-year term).

Rates correct as at February 2026. Subject to change without notice.

Fee	Amount
Application Fee	Nil
Valuation Fee	$440 + GST ($60 + GST for AVM)
Legal / Doc Prep Fee	$297
Annual Fee	$395 (Nil for Owner-Occupied)
Monthly Service Fee	Nil
Settlement Fee	$590
Account Variation Fee	$250
Facility Variation Fee	$450
Discharge Fee	$795 plus 3rd party costs

Maximum loan amounts (Easy Refinance):

LVR	Metro / Non-Metro	Inner City	Regional
≤ 70%	$3,500,000	$3,500,000	$3,000,000
≤ 80%	$3,500,000	$3,500,000	$2,000,000

Other key parameters: Min. loan $50,000 | Loan term: 60–360 months | Max 8 loans per borrower | Max single borrower exposure $10,000,000 | Available for Standard, SMSF, Expat and Non-Resident products.

Rapid Refinance is an accelerated settlement option that funds the new loan and directly pays out the existing lender — bypassing the usual weeks-long discharge process. Funds are transferred the same day drawdown occurs, with a notice sent to the outgoing lender to discharge the mortgage.

Eligibility for Rapid Refi:

• Loan credit limit must not exceed $1,500,000
• No fixed rate accounts or splits (break costs unknown)
• Loan must not be linked to a line of credit or business facility
• If only the balance is being refinanced (not the full credit limit), Rapid Refi is unavailable where redraw exceeds $50,000
• Established properties only — no construction loans

Buffer required in new loan amount:

• Individual borrowers: 1 monthly repayment + 1 month’s interest + outgoing lender discharge fee ($1,500 if unknown) + $1,500 buffer
• Company/Trust borrowers: 1 monthly repayment + 3 months’ interest + discharge fee + $1,500 buffer

Any surplus funds and cash out amounts are retained on the account and available via redraw once the new lender obtains first-ranking mortgage. Borrowers can opt out of Rapid Refi prior to loan document processing.

Standard documents (all Easy Refi applications):

• Signed Application, Customer Needs Analysis and Broker Declaration forms (Docusign preferred)
• Completed digital Verification of Identity (VOI) or manual VOI form with supporting ID documents
• Signed Exit Strategy form if any applicant is over 55 years of age

Mortgage being refinanced:

• If loan appears on comprehensive credit report: most recent loan statement or account summary (account name, current balance, interest rate). If older than 3 months, must be accompanied by a current account summary.
• If loan does NOT appear on credit report: last 12 months continuous loan statements
• For Rapid Refi: documents must also show credit limit and available redraw

Property: Valuation report + rates notice (no arrears — can be settlement condition)

Trust borrowers (non-SMSF): Trust Deed required

SMSF borrowers: SMSF Trust Deed + Deeds of Variation (settlement condition) + Bare Trust Deed (settlement condition) + most recent SMSF Audit report

Non-Resident borrowers: Overseas Credit Report

Customer ID (AML/CTF compliant — one of the following combinations):

• Australian passport + driver’s licence or Proof of Age Card
• Australian passport + birth/citizenship certificate + Medicare/Centrelink card
• Driver’s licence + birth/citizenship certificate + Medicare card
• Foreign passport + resident visa + driver’s licence
• Foreign passport + resident visa + birth certificate + Medicare card

Parameter	Easy Refinance Details
Loan Product Types	Standard Residential, SMSF, Expat, Non-Resident
Acceptable Security	Standard residential and commercial (excludes Specialist Rental Accommodation and Specialist Disability Accommodation)
Min. Loan	$50,000
Max. Loan	$3,500,000
Max. Single Borrower Exposure	$10,000,000
Max. Number of Loans	8
Max. Loan Term	360 months (30 years)
Max. LVR	80% (65% in regional postcodes that fail population test)
Max. Cash Out	3% of security value capped at $50,000 (SMSF excluded)
Repayment Types	P&I and Interest Only (maximum 5 years)
Employment Types	PAYG and Self-Employed (companies, trusts, partnerships)
Regional Postcode LVR	65% maximum where property does not meet population test (town >10,000 or within 15km of town >50,000)

Call us on 1300 432 961 to confirm whether your postcode and property type meets the Easy Refinance criteria. Pre-assessment is obligation-free.