,
we have a wide range of programs and products to suit a wide variety of
needs. Each of our programs have been designed with a special purpose in
mind, so it doesn't matter if clients are looking for a full doc or a lo
doc loan, if they are non-residents or credit impaired, if they need the
flexibility of a variable rate loan or the security of a fixed rate loan,
we are able to help. Each of our programs is further split into three major products: Premium, Deluxe, and Line of Credit, to further tailor our loans to meet the needs of our clients. Have a look at our major programs and products below, and see how we are able to match the right loan to the right client.
Programs At a Glance
Prime Residential
Prime Residential
|
STANDARD (Full documentation, up to - 95% lend) |
LO DOC (No Financials, up to - 80% lend) |
EASY DOC (No Financials, up to - 65% lend) |
NON-RESIDENT (Overseas Clients, up to - 80% lend) |
| * Full documentation | * No documentation | * No documentation | *Limited documentation |
| * Owner-occupied or investment usage (Coded or Non Coded) | * Owner-occupied or investment usage (Coded or Non Coded) | * Owner-occupied or investment usage (Coded or Non Coded) | * Investment usage only (non coded) ) |
| * LVR to 95% (up to $500k) | * LVR to 80% (up to $800K) | * LVR to 65% (up to $500k) | * LVR to 80% (up to $300k) and LVR to 75% (up to $500k) |
| * LMI always payable by clients for loans > $500k and/or LVR > 80% | * Clients have option to pay LMI for loans <$500k and/or LVR <70%. LMI always payable by clients for loans > $500k and/or LVR > 70% | * Clients have option to pay LMI | * LMI always payable by the Funder |
| * Min Loan Size - $30k | * Min Loan Size - $30k | * Min Loan Size - $30k | * Min Loan Size - $30k |
| *
Max Loan Size - to $500k (for loans >$500k, see A2 - Jumbo) |
*
Max Loan Size - to $800k (in Metro & Regional areas) |
*
Max Loan Size - to $800k (in Metro & Regional areas) |
*
Max Loan Size - $500K (LVR to 80%) |
| * Borrower Type - Individuals, Partnerships, Companies, or Trusts | * Borrower Type - Self-Employed greater than 2 years (PAYG co-borrowers allowed) | * Borrower Type - Self-Employed ONLY for greater than 1 day | * Borrower Type - Non-resident borrowers |
| * Construction & land package available | * Construction & land package available | * Construction & land package available | * Construction & land package NOT applicable |
| * Line of Credit Facility available | * Line of Credit Facility available | * Line of Credit Facility available | * Line of Credit Facility NOT available |
| PRODUCTS Available: | |||
| 1) Premium | 1) Premium | 1) Premium | 1) Premium |
| 2) Premium Deluxe | 2) Premium Deluxe | 2) Premium Deluxe | |
| 3) LOC | 3) LOC | 3) LOC | |
| ^ Back to Top |
Non-Conforming Residential
|
STANDARD (Full documentation, up to - 90% lend) |
QUIK DOC (No Financials, up to - 90% lend) |
|
| * Full documentation | * No financials required | |
| * Owner-occupied or investment usage (Coded or Non Coded) | * Owner-occupied or investment usage (Coded or Non Coded) | |
| * LVR to 90% (up to $750k) 1st and 2nd Alternatives. | * LVR to 90% (up to $750k) 1st Alternative. | |
| * Primarily aimed at Borrowers with poor credit history or poor loan conduct | * Primarily aimed at Borrowers with poor credit history or poor loan conduct | |
| * LMI is NOT applicable | * LMI is NOT applicable | |
| * Min Loan Size - $50k | * Min Loan Size - $50k | |
| * Max Loan Size - to $750 Million | * Max Loan Size - to $750 Million | |
| * Borrower Type - Individuals, Partnerships, Companies, or Trusts | * Borrower Type - Self-Employed ONLY for at least 2 years | |
| * Construction & land package NOT available | * Construction & land package NOT applicable | |
| * Line of Credit Facility NOT available | * Line of Credit Facility NOT available | |
| PRODUCTS Available: | ||
| 1) Premium | 1) Premium | |
| ^ Back to Top |
Commercial Loans
| COMMERCIAL
LENDING (Full documentation, up to - 75% lend) |
| * Full documentation Required |
| * Owner-occupied or investment usage (Coded or Non Coded) |
| * LVR to 75% (up to $3ml) |
| * LMI is NOT applicable |
| * Min Loan Size - $100k |
| * Max Loan Size - to $3 Million |
| * Borrower Type - PAYG, self-employed, Partnerships, Companies, or Trusts |
| * Construction & land package NOT available |
| * Line of Credit Facility - N/A |
| PRODUCTS Available: |
| 1) Term Loans |
| 2) Redraw Loans |
| ^ Back to Top |