Specialist

Specialist Loan

Our Specialist Product offers flexible lending solutions for borrowers with paid or unpaid defaults, with no requirement, in some cases, to clear the unpaid defaults at settlement. It can be used for a range of personal or investment purposes, subject to meeting the qualifying criteria.

Credit History:

This product is ideal for:

Loan basics

Loan PurposeSuitable for purchasing, refinancing, or releasing equity in owner-occupied or investment residential properties.
Maximum Loan-to-Value Ratio (LVR)Up to 80%.
Maximum Loan Amount
  • Full Doc: $3.0m per security property.

  • Alt Doc: <70% LVR = $2m; ≤80% LVR = $1.5m.
Maximum Loan Term30 years
Repayment Structure
  • Principal and Interest (P&I).

  • Interest Only (1 – 5 years available), reverting to P&I.

Repayment OptionsWeekly, fortnightly, or monthly payments.
Redraw FacilityAvailable
Extra RepaymentsPermitted
Ongoing Fees$15 per month account administration fee

Alt Doc Specialist

Alt Doc Specialist provides flexible lending solutions for self-employed borrowers requiring alternative income verification, with paid or unpaid defaults to be cleared at settlement. It can be used for a range of personal or investment purposes, subject to meeting the qualifying criteria.

Credit History:

This product is ideal for:

For new borrowers

For New Brokers