📣 Designed for borrowers currently on:
- A low doc or alt doc home loan at a high specialist rate
- A non-conforming or near-prime home loan from a specialist lender
- Any home loan at a rate higher than what is currently available in the market
If you have been paying on time for 12 months and your credit score is 650 or above, you may be able to save $500–$1,100+ per month without providing any income documentation.
What You Need to Qualify
✅ You Need These 3 Things
- ✓12 months clean repayment history
No payment more than 15 days late in the last 12 months - ✓Minimum 650 Equifax credit score
Clean CCR — no adverse listings in last 12–24 months - ✓Financial benefit — lower rate AND repayment
New rate and P&I repayment must both be lower than current
❌ You Do NOT Need These
- ✗Payslips
- ✗Tax returns (1 or 2 year)
- ✗BAS statements
- ✗Accountant letter
- ✗Business bank statements
- ✗Any proof of income
Full Eligibility Criteria
| Requirement | Detail |
|---|---|
| Repayment History | Minimum 12 months — no payment more than 15 days in arrears |
| Credit Score | Minimum 650 Equifax comprehensive credit score. Clean CCR. |
| Rate Benefit | New interest rate must be lower than current rate |
| Repayment Benefit | New P&I repayment must be lower than current P&I repayment |
| Loan Type | Dollar-for-dollar refinance only. Part refinances not acceptable. |
| Cash Out | Max $50,000 or 3% of property value. Not on IO loans or SMSF. |
| Max LVR | 80% (65% for regional postcodes) |
| Max Loan | $3,500,000 |
| Min Loan | $50,000 |
| Borrower Types | PAYG, self-employed, SMSF, expat, non-resident — all eligible |
| Property Types | Standard residential and commercial |
| Fixed Rate Loans | Rapid Refinance unavailable if existing loan has fixed rate |
How Much Could You Save?
| Loan Balance | Current Rate | New Rate | Est. Monthly Saving | Annual Saving |
|---|---|---|---|---|
| $400,000 | 7.50% | 5.79% | ~$464/month | ~$5,570/year |
| $500,000 | 7.50% | 5.79% | ~$580/month | ~$6,960/year |
| $700,000 | 7.50% | 5.79% | ~$810/month | ~$9,720/year |
| $1,000,000 | 7.50% | 5.79% | ~$1,160/month | ~$13,920/year |
| $500,000 | 8.50% | 5.79% | ~$800/month | ~$9,600/year |
Estimates based on 25-year P&I. Rates indicative only. Use our Loan Comparison Calculator for your exact figures.
Rapid Refinance — Same-Week Settlement
⚡ Settle in days, not weeks
Eligible borrowers can access Rapid Refinance — funds transferred directly to your existing lender, cutting weeks off the standard discharge process.
- ✓Loan credit limit does not exceed $1,500,000
- ✓No fixed rate accounts or loan splits
- ✓Not linked to a line of credit or business facility
- ✓Established properties only — no construction loans
How to Apply — 5 Steps
Complete your fact find online
Tell us your current lender, loan balance, interest rate and property value. Under 10 minutes.
We confirm eligibility
We verify your 12-month repayment history and confirm the new rate and repayment will be lower. Soft credit check — no score impact.
Valuation ordered
AVM or desktop valuation ordered by the lender. Fast and low cost in most cases.
Loan offer and documents
Loan offer issued. Signed digitally via DocuSign — no branch visit needed.
Settlement — you start saving
Standard: 2–4 weeks. Rapid Refinance if eligible: same week.
Outlook Finance is based at Level 2, 300 Chapel Road, Bankstown NSW 2200. We specialise in no doc and low doc refinancing across Western Sydney — Parramatta, Liverpool, Fairfield, Penrith, Blacktown, Auburn, Campbelltown and beyond. Call 1300 432 961 or email info@outlookfinance.com.au. ACL 418711.
Ready to Start Saving?
Free assessment. No income documents needed. No impact on your credit score.
📋 Complete Fact Find — Apply Now → 📞 Call 1300 432 961Outlook Finance ACL 418711 | ABN 73 132 561 874 | Level 2, 300 Chapel Rd Bankstown NSW 2200