FAQS

We offer a comprehensive range of lending solutions, including residential home loans, self-employed alt doc loans, commercial property loans, and SMSF loans across both residential and commercial security. Whether you're a first-home buyer, a seasoned investor, a self-employed borrower, or an SMSF trustee, we have a product designed for your circumstances.

Our residential loan solution is available to both PAYG (wage and salary) employees and self-employed borrowers. Borrowers holding an approved temporary visa may also be considered.

The minimum deposit required will depend on the loan product and your individual circumstances. Our residential loan solution supports a maximum LVR of 95% (including LMI), which means it may be possible to purchase with as little as a 5% deposit plus cost. Lenders Mortgage Insurance (LMI) applies when your deposit is less than 20% of the purchase price, though LMI can be capitalised into your loan rather than paid upfront.

Our residential loan solution is available to both PAYG customers and self-employed borrowers looking to purchase or refinance an investment property. Borrowers holding an approved temporary visa may also be considered. Your individual circumstances, including your existing liabilities, income, and current property holdings, will all be assessed as part of the application.

A standard home loan provides a single lump sum at settlement. A construction loan works differently; funds are released in stages, known as progress payments, as each phase of the build is completed. During the construction period, you only pay interest on the funds that have been drawn down, rather than the full approved loan amount. Once construction is complete, the loan typically converts to a standard principal and interest (or interest-only) home loan.

Our business lending solution is available to both PAYG customers and self-employed borrowers, including sole traders, company directors, trust beneficiaries, and partnership operators. The loan supports purchase, refinance, and cash-out purposes secured by commercial property. Your individual circumstances, including your business structure, income verification method, existing liabilities, and the nature of the security property, will all be assessed as part of the application. We'll work through your eligibility with you before you apply to ensure there are no surprises.